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THE 


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Life  1 


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GIFT   OF 


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Mortality  Experience 


OF  THE 


Connecticut  Mutual 


Life  Insurance  Company, 


OF 


HARTFORD,  CONN., 


From    1846   to    1878. 


«     O  3  « 


Hartford,  Conn., 
1884. 


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CONKECTICUT   MuTUAL   LiFE   INSURANCE    CoMPANY, 

Haetfoed,  August  31,  1883. 

Jacob  L.  Geeene,  President, 
Dew  Sir: 

I  submit  lierewitli  the  results  thus  far  deduced  from 

the  analysis  of  the  mortality  experience  of  this  company.  Some  of 
these  results  are  of  very  great  interest  and  value.  The  facts  are 
given  in  the  tables  submitted;  the  text  is  intended  to  call  attention 
to  the  more  important  results,  and  as  an  explanation  of  the  tables, 
rather  than  as  a  complete  discussion  of  the  facts. 

You  are  already  familiar  with  the  general  scope  of  the  work.  It 
was  begun  by  your  direction,  and  its  general  range  has  been  deter- 
mined in  consultation  with  you.  The  clerical  work  has  been  done 
by  those  to  whom  it  was  intrusted  cheerfully,  carefully,  and  well. 
The  value  of  the  results  obtained  is  an  ample  return  for  the  care 
and  labor  involved  in  the  undertaking. 

Very  respectfully, 

D.  H.  WELLS,  Actuary. 


285377 


INDEX   TO   TABLES. 


MALE  LIVES. 

Pajes. 

I.     By  Years  of  Insurance  and  Ages  at  Exposure,       .  .  22-37 

II.     (a)  By  Groups  of  Ages  and  of  Years  of  Insurance,  .         38 

(b)  By  Years  of  Insurance,  .  .  .  .39 

III.  By  Ages  at  Exposure,  witli  Probable  Deaths  by  Standard 

Tables,  .  .  .  .  .  .  40-41 

IV.  Summary  of  Table  III  by  Groups  of  Ages,  witli  Ratios  of 

Actual  to  Probable  Deaths,  .  .  .  .42 

V.     Insured  under  Premium-paying  Life  and  Endowment  Poli- 
cies, by  Groups  of  Ages,         .  .  .  .43 
VI.     Insured  under  Paid-up  Policies  issued  in  lieu  of  Policies 

Surrendered,  by  Groups  of  Ages,      .  .  .44 

VII.     Insured  under  Term  Policies,  by  Groups  of  Ages,  .         45 

^III.     Insured  under  Premium-paying  Life  and  Endowment  Policies : 

(a)  By  Groups  of  Ages  and  of  Years  of  Insurance,       .         46 

(b)  By  Years  of  Insurance,        .  .  .  .47 
IX.     Insured  under  Paid-up  Policies  issued  in  lieu  of  Policies 

Surrendered : 

(a)  By  Groups  of  Ages  and  of  Years  of  Insurance,      .         48 

(b)  By  Years  of  Insurance,        .  .  .  .49 
X.     Insured  under  Tenn  Policies,  by  Groups  of  Ages  and  of 

Years  of  Insurance,  .....  50 

XL     Classified  by  Country  of  Birth,        ....  51-53 

XII.     Classified  by  Occupation,     .....  54-56 

XIII.     Classified  by  Occupation,  by  Groups  of  Ages,         .             .  57 


INDEX.  —  Continued. 


XIV. 

XV. 

XVI. 


XVII. 


XVIII. 


FEMALE  LIVES. 

By  Ages  at  Exposure,   ..... 

By  Groups  of  Ages  and  of  Years  of  Insurance, 

Insured  under  Premium-paying  Life  and  Endowment 
Policies,  by  Groups  of  Ages  and  of  Years  of 
Insurance,  ...... 

Insured  under  Paid-up  Policies  issued  in  lieu  of  Poli- 
cies Surrendered,  by  Groups  of  Ages  and  of  Years 
of  Insurance,  ..... 

Insured  under  Term  Policies,  by  "Groups  of  Ages, 


ftges. 

68 
69 


60 


61 
61 


POLICIES  ISSUED  AND  AMOUNTS  INSDEED  ON  MALE  LIVES. 

XIX.  By  Ages  at  Exposure,    .....  62-63 

XX.  Summary  of  Table  XIX  by  Groups  of  Ages,  .  .         64 

XXI.  Premium-paying    Life   and   Endowment   Policies,   by 

Groups  of  Ages,    .  .  .  .  .65 

XXII.  Premium-paying  Life  Policies,  by  Groups  of  Ages,       .         66 

XXIII.  Premium-paying  Endowment  Policies,  by  Groups  of  Ages,     67 

XXIV.  Paid-up  Policies  issued  in  lieu  of  Policies  Surrendered, 

by  Groups  of  Ages,            .             .  .             .68 

XXV.     Term  Policies,  by  Groups  of  Ages,       .  .             .69 
XXVI.     Premium-paying  Life  Policies : 

(a)  By  Groups  of  Ages  and  of  Years  of  Insurance,          70 

(b)  By  Years  of  Insurance,  .             .  .             .71 
XXVII.     Premium-paying  Endowment  Policies : 

(a)  By  Groups  of  Ages  and  of  Years  of  Insurance,         72 

(b)  By  Years  of  Insurance,  .  .  .  .73 
XXVni.     Paid-up  Policies  issued  in  lieu  of  Policies  Surrendered : 

(a)  By  Groups  of  Ages  and  of  Years  of  Insurance,         74 

(b)  By  Years  of  Insurance,  .  .  .  .75 
XXIX.     Term  Policies : 

(a)  By  Groups  of  Ages  and  of  Years  of  Insurance,         76 

(b)  By  Years  of  Insurance,  .  .  .  .77 


INDEX.  —  Continued. 

POLIOIES  ISSUED  AHD  AMOUBTS  MSTJEED  ON  FEMALE  LIYES. 

Fagm. 

XXX.     Premium-paying  Life  Policies,  by  Groups  of  Ages,  78 

XXXI.     Premium-paying  Endowment  Policies,  by  Groups  of 

Ages,  ......         79 

XXXII.     Paid-up  Policies  issued  in  lieu  of  Policies  Surrendered, 

by  Groups  of  Ages,  .  .  .  .80 

XXXIII.     Term  Policies,  by  Groups  of  Ages,       .  .  .81 


DISOOUTINIIED  PEEMIUM-PAYDTa  POUOEES  AND  AMOUNTS  ON  MALE  LIVES. 


82 
83 


by  Groups  of 


84 


XXXIV.     Life  Policies,     . 
XXXV.     Endowment  Policies,    . 
XXXVL     Life  Policies,  per  cent.  Discontinued 

Years  of  Issue, 
XXXVII.     Endowment    Policies,    per    cent.    Discontinued,    by 

Groups  of  Years  of  Issue,  .  .  .85 

DL&GEAMS. 

L     Mortality  Curves  by  Standard  Tables,  and  the  Com- 
pany's Experience,  .  .  .  .87 
II.     The  Company's  Experience  Compared  with  Standard 

Mortality  Tables,  .....         89 
IIL     The  Company's  Experience  compared  with  the  Ratio 
of  the  Actual  to  the   Expected    Mortality   by 
Standard  Mortality  Tables,  .  .  .91 


MORTALITY    EXPEEIE:^^rCE 


OF   THE 


CONNECTICUT     MUTUAL 

Life  Insueanoe  CoMPAmr. 


The  following  results  have  been,  obtained  by  a  careful  analysis 
of  the  mortality  experience  of  The  Connecticut  Mutual  Life  Insub- 
ANCE  Company  from  the  commencement  of  its  business  to  the  year 
1878:  the  observations  being  carried  to  the  anniversaries  of  the  issue 
of  each  policy  in  that  year,  or  to  their  termination  if  prior. 

A  brief  statement  of  the  methods  employed  will  be  of  service  in 
making  clear  the  exact  bearing  of  the  results  obtained,  and  the  de- 
gree of  confidence  to  which  they  are  entitled.  It  will  also  be  of 
interest  as  indicating  any  variations  from  the  methods  more  commonly 
used. 

Cards  were  prepared  giving  the  number,  amount,  kind,  date  of 
issue,  date  of  expiry,  mode  of  expiry,  and  duration  of  each  policy, 
the  name,  sex,  residence,  occupation,  place  of  birth,  date  of  birth,  and 
age  when  insured  of  the  person  insured  thereby,  and  the  numbers  of 
any  other  policies  on  the  same  life.  In  case  of  joint  life  policies  a 
card  was  filled  out  for  each  life.  In  case  of  policies  which  had  been 
reduced  or  increased,  the  amount  of  the  insurance  was  divided  and 
treated  as  if  it  had  been  given  under  separate  policies,  which  had 
been  terminated  or  issued  at  different  times.  If  a  policy  was  changed 
in  plan,  as  from  life  to  endowment,  or  the  reverse,  it  was  treated 
as  if  surrendered  and  a  new  policy  issued. 

The  data  for  the  cards  were  obtained,  so  far  as  therein  con- 
tained, from  the  original  applications.  The  date  and  mode  of  expiry 
were  obtained  from  the  company's  registers.      The  age  when  insured. 


to  the  nearest  year,  was  obtained  by  deducting  the  date  of  birth  from 
the  date  of  issue  of  the  policy,  and  checked  by  comparison  with  the 
age  as  entered  on  the  company's  registers.  The  duration  of  the  policy 
was  obtained  by  a  comparison  of  the  dates  of  issue  and  expiry,  if 
expired,  and  by  subtracting  the  year  of  issue  from  1878  if  still  in 
force.  In  case  of  policies  which  had  expired  by  the  death  of  the 
insured,  any  fraction  of  time  in  excess  of  whole  j^ears  was  counted  as 
a  year.  In  case  of  Joint  policies  this  was  done  only  on  the  card 
representing  the  life  deceased.  In  all  other  cases  the  duration  was 
taken  to  the  nearest  year.  In  case  of  policies  with  premiums  payable 
in  fractional  installments,  which  lapsed  midway  of  the  policy  year, 
the  half  year  was  alternately  added  to  and  dropped  from  the  dura- 
tion. As  the  company,  except  in  very  rare  instances,  does  not  accept 
the  surrender  of  a  policy  until  after  lapse,  and  as  policy  years  were 
exclusively  used  and  the  observations  on  existing  policies  were  carried 
to  the  annivei-sary  of  the  policy,  there  were  no  other  fractional  parts 
of  a  year  of  any  practical  consequence  to  be  provided  for. 

After  the  cards  had  been  written,  they  were  all  carefully  re- 
viewed, both  with  the  applications  and  registers.  They  were  then 
classified,  in  the  usual  way,  and  the  classes  reviewed  to  guard  against 
errors  of  classification.  The  cards  of  each  class  were  then  twice 
counted  and  the  amount  insured  twice  footed,  and  the  results  tabu- 
lated. 

In  order  to  obtain  results  by  lives,  both  under  different  classes 
of  policies  and  as  a  whole,  all  the  cards  were  now  grouped  into  six 
classes,  the  classification  being  by  sex  and  kind,  viz. : 

1st.  Premium-paying  life  and  endowment  policies,  including  poli- 
cies paid  up  by  term;  2d.  Paid-up  policies  issued  in  lieu  of  policies 
surrendered ;   and  3d.     Term  policies. 

The  cards  in  each  of  these  classes  were  then  arranged  by  date 
of  birth,  and  all  those  of  the  same  date  of  birth  carefully  compared 
as  to  names.  At  the  same  time  careful  attention  was  given  to  the 
memoranda  indicating  other  insurances  on  the  same  life. 

If  two  or  more  cards  were  found  in  the  same  class  representing 
policies  upon  the  same  life,  if  the  policies  were  not  connected  in  time 


so  as  to  make  a  continuous  insurance,  they  were  treated  as  if  upon 
different  lives;  if  ttey  constituted  a  continuous  insurance,  the  card 
was  selected  wMch  carried  the  insurance  to  the  latest  date,  and  on 
this  card  were  noted,  in  addition  to  the  previous  entries,  the  occupa- 
tion as  given  on  the  other  card  or  cards,  the  earliest  date  of  entry 
and  the  corresponding  age,  and  the  duration,  to  the  nearest  year,  of 
the  entire  continuous  insurance.  The  cards  so  included  in  others 
were  then  thrown  out. 

The  remaining  cards  representing  policies  of  the  three  different 
classes  upon  lives  of  the  same  sex  were  next  compared  and  combined 
in  like  manner,  the  additional  entries  being  made  in  additional  spaces. 
The  cards  thus  included  in  others  of  a  different  class  were  then 
marked  and  replaced  in  their  respective  classes.  In  combining  the 
cards  representing  policies  of  different  classes,  the  insurance  under  a 
paid-up  policy  issued  in  lieu  of  a  policy  surrendered  was  treated  as 
dating  from  the  time  the  original  policy  ceased. 

In  thus  comparing  cards  representing  different  policies  on  the 
same  life,  many  cases  were  found  in  which  the  date  of  birth  as 
stated  in  the  different  applications  varied.  If  the  life  was  still  in- 
sured, inquiry  was  made  by  letter  as  to  the  correct  date  of  birth,  and 
the  proper  correction  made.  If  no  policy  remained  in  force  on  the 
life,  the  date  of  birth  as  given  in  the  application  for  the  earliest 
policy  was  used  in  combining  the  cards. 

The  cards  representing  each  class  of  policies  were  then  distributed 
and  the  results  tabulated.  As  always,  the  cards  were  carefully  re- 
viewed after  being  distributed  in  order  to  detect  any  error  in  dis- 
tributing, and  the  tables  were  checked  by  a  second  counting  of  the 
cards.  After  these  last  results  were  tabulated,  all  cards  marked  as 
included  in  others  were  rejected,  and  the  remaining  cards  representing 
policies  on  lives  of  the  same  sex  were  redistributed  and  the  results 
tabulated  without  regard  to  class  of  policy. 

The  use  of  policy  years  instead  of  calendar  years  is  believed  to 
afford  better  facilities  for  the  study  of  the  question  of  selection, 
whether  by  the  company  at  the  inception  of  the  contract,  or  by  the 
insured   in  the  after  exercise    of   the    option  of  continuing   or   discon- 


tinuing  it.  It  avoids  also  the  disadvantage  of  dealing  vrith  a  fraction 
of  a  year  at  the  beginning  of  the  observation,  a  fractional  age  at  the 
beginning  of  the  following  calendar  year,  and  a  fraction  of  a  year  at 
the  close  of  the  discontinued  insurances. 

In  the  bringing  together  of  cards  representing  insurance  on  the 
same  life,  the  arrangement  by  dates  of  birth,  instead  of  the  usual 
alphabetical  arrangement  by  names,  was  a  great  saving  of  labor,  and 
it  is  believed  contributed  largely  to  accuracy;  the  indistinctness  with 
which  names  are  often  written,  and  the  unavoidable  errors  in  copying 
such  a  number  of  them,  together  with  changes,  especially  in  names  of 
females,  making  an  alphabetical  arrangement  difficult  and  unsatisfac- 
tory. The  addition  of  necessary  changes  on  an  existing  card,  instead 
of  writing  a  new  card  or  envelope,  also  saved  much  labor. 

In  the  reduction  of  the  observations,  a  series  of  checks  was  used 
which  is  believed  to  have  rendered  certain  the  detection  of  any  error. 
A  comparison  of  the  results  given  in  the  accompanying  tables  shows 
a  slight  discrepancy  between  the  table  of  male  lives  classified  by 
occupation  and  the  other  tables  of  male  lives.  This  discrepancy  is 
due  to  some  error  in  reclassifying  the  cards  or  recording  the  results 
by  occupations,  an  error  almost  unavoidable  in  handling  such  a  num- 
ber of  cards,  and  was  so  small  that  it  was  not  considered  worth  while 
to  attempt  to  correct  it  when  discovered  on  footing  and  summarizing 
the  tables.  No  other  discrepancies  are  believed  to  exist,  except  such 
as  arise  inevitably  from  the  use  of  a  limited  number  of  decimal  places 
in  the  probable  deaths  and  losses. 

The  analysis  includes  all  policies  issued  prior  to  January  1,  1878, 
except  1420  small  policies  issued  in  lieu  of  cash  dividends,  which 
were  omitted  because  they  added  no  new  lives,  and  being  for  small 
amounts  would  not  have  perceptibly  varied  the  results  by  amounts. 

As  regards  males,  the  observations  included  97,790  lives,  covering 
780,353  years  of  exposure,  with  8,746  deaths;  125,655  policies,  cover- 
ing 867,197  years  of  exposure,  with  9,890  terminations  by  death; 
$354,902,195  of  insurance,  covering  $2,482,744,385  of  exposure,  and  a 
loss  of  $28,793,725  by  death. 

As    regards    females,  there    were    included    7,452    lives,    covering 


62,680  years  of  insurance,  witli  756  deaths;  8,528  policies,  covering 
63,914  years  of  exposure,  witli  777  terminations  by  death;  $17,575,404 
of  insurance,  covering  $131,962,559  of  exposure,  with  a  loss  of  $1,- 
570,951  by  death. 

All  cases  in  which  anything  was  paid  on  account  of  a  policy 
after  the  death  of  the  insured,  or  in  which  suit  was  brought  to  en- 
force payment,  are  included  among  the  deaths,  and  for  the  full 
amount  of  the  policy. 

Table  I  gives  the  observations  on  male  lives  in  a  form  permit- 
ting of  any  desired  combinations  of  ages  or  years  of  insurance. 

Table  II  presents  the  same  facts  summed  up  (a)  by  groups  of 
ages  and  of  years  of  insurance,  and  (b)  by  years  of  insurance  irre- 
spective of  age,  with  the  addition  of  the  probable  deaths  by  the 
American  Table  and  the  ratio  of  the  actual  deaths  to  the  probable 
deaths.  We  shall  refer  to  this  table  again  later. 
J  Table  III  exhibits  the  mortality  experience  of  the  company  as 
7  regards  male  lives,  age  by  age,  and  gives,  side  by  side  with  the  ac- 

/    tual  deaths  at  each  age,   the  probable  deaths  as  determined  by  four 
n     of  the  most  prominent  mortality  tables  based  upon  insured  lives :  two 

/  American — the  American  Table  and  the  Thirty  American  Offices'  Table ; 
and  two  English — ^the  Combined  Experience  Table  and  the  H^.  Table. 
A  graphic  representation  of  these  tables  and  of  the  Company's  experience, 

/  age  by  age,  both  as  regards  male  and  female  lives,  is  given  in  Diagram  I. 
While  this  table  exhibits  at  all  the  ordinary  ages  of  insured  life,  say 
from  20  to  70,  a  very  good  degree  of  regularity  in  the  death  rate, 
the  irregularities  are  sufficient  to  interfere  seriously  with  any  direct 
general  comparisons,  or  the  deduction  of  any  exact  general  conclu- 
sions. In  order  to  eliminate,  in  part,  the  irregularities  which  attach 
to  the  experience  at  individual  ages,  the  results  were  combined  in 
groups  of  five  ages,  and  the  results  are  given  in  Table  IV.  The  ratio 
of  the  actual  to  the  probable  deaths  by  each  of  the  four  tables  was 
also  computed  for  each  group  of  ages  and  added  to  the  table.  In- 
spection of  the  table  shows  that  the  mortality  among  the  male  lives 
insured  by  the  company  has  been  only  84.6  per  cent,  of  that  given 
by  the  American  Table,  87.3  per  cent,  of  that  given  by  the  Thirty 


American  Offices'  Table,  77.8  per  cent,  of  that  given  by  tte  Combined 
Experience  Table,  and  80.0  per  cent,  of  that  given  by  the  H^.  Table. 
Comparing  the  ratios  for  different  groups  of  ages  with  the  ratios  of 
the  totals,  table  by  table,  we  find  that  the  experience  of  the  company 
runs  more  nearly  parallel  to  the  American  Table  than  to  either  of 
the  others ;  notably  nearer  than  to  the  English  Tables.  Thus,  the 
series  of  ratios  obtained  by  comparing  the  actual  mortality  in  these 
groups  with  the  probable  as  given  by  the  different  tables,  crosses  the 
ratios  of  the  totals  by  the  same  tables,  in  the  case  of  the  American 
Table,  seven  times;  of  the  Thirty  American  Offices'  Table,  five  times; 
of  the  Combined  Experience  Table  and  H^.  Table,  twice  each.  Again, 
the  arithmetical  sum  of  the  differences  between  the  ratios  of  the 
totals  and  the  ratios  for  the  individual  groups  are  in  case  of 


The  American 
Table. 

Thirty  American 
Offices'  Table. 

Combined 
Experience  Table. 

H".  Table. 

For  all  ages, 

1.226 

1.540 

1.550 

2.301 

Ages  26-90, 

.555 

.562 

.586 

.690 

Ages  26-70, 

.170 

.294 

.262 

.421 

The  relation  of  the  Company's  experience,  as  given  in  Table  IV, 
to  each  of  these  tables  and  also  to  the  average  (ratio  of  the  total  actual 
to  the  total  tabular)  mortality  by  each  table  is  shown  graphically  in 
Diagram  II.  The  tables  are  represented  by  the  heavy  horizontal  lines 
taken  as  100,  and  the  average  mortality  by  the  parallel  broken  and 
dotted  lines.  The  ratios  of  the  actual  to  the  tabular  mortality  by  groups 
of  ages  are  laid  off  on  vertical  lines,  and  the  points  so  found  connected 
by  broken  lines.  The  more  nearly  the  broken  lines  so  drawn  approach 
towards  coincidence  with  the  broken  and  dotted  lines,  the  more  nearly 
the  Company's  experience  approaches  parallelism  with  the  table. 

The  separate  representations  of  the  Company's  experience  as  com- 
pared with  each  of  the  four  tables,  given  in  Diagram  II,  are  superimposed 
and  form  Diagram  III.  The  average  mortality  by  each  table  successively 
was  taken  as  100,  and  the  ratio  of  the  actual  to  the  tabular  mortality  by 
that  table  for  each  group  of  ages  being  increased  in  the  same  ratio,  the 


results  were  laid  off  as  ordinates,  and  the  points  so  found  connected  by 
distinctive  broken  lines.  The  nearer  approach  of  the  full  bi'oken  line 
towards  coincidence  with  the  line  representing  the  average  mortality 
indicates  the  closer  parallelism  between  the  Company's  experience  and 
the  American  Table. 

The  pubKshed  experience  of  the  Mutual  Life,  and  also  of  the 
Mutual  Benefit  Life,  shows  the  same  general  result.  Their  mortality 
runs  fairly  parallel  to  the  American  Table,  while  the  rate  given  by 
the  English  Tables  is  relatively  much  higher  at  the  middle  ages  than 
at  the  extremes  of  the  table.  This  seems  to  indicate  a  variation  in 
the  law  of  mortality  as  operating  upon  American  and  English  insured 
lives. 

The  mortality  of  the  group  of  ages  7-20,  as  shown  by  the  table, 
is  very  heavy.  The  ratio  of  actual  to  expected  for  the  following 
group,  21-25,  is  also  greater  than  for  any  later  group.  This  exces- 
sive mortality  is  partially  accounted  for  by  the  mortality  under  term 
policies  as  exhibited  in  Table  VII.  If  we  deduct  the  actual  and 
probable  deaths  under  term  policies,  as  given  in  Table  VII,  from  the 
corresponding  entries  in  Table  IV,  the  ratio  of  actual  to  probable 
deaths  by  the  American  Table  for  ages  7-20  is  reduced  to  1.123,  and 
for  ages  21-25  to  .859. 

In  addition  to  the  causes  operating  upon  term  policies,  which 
will  be  referred  to  later,  there  is  a  moral  hazard  in  the  insurance, 
under  ordinary  forms  of  policies,  of  lives  which  can,  in  general,  have 
no  present  money  value,  in  that  there  will  naturally  be  a  tendency 
to  a  selection  against  the  company,  which  the  most  careful  medical 
selection  will  scarcely  wholly  prevent.  "  Children's  Endowment  Poli- 
cies," as  issued  by  some  companies,  which  provide  onl}'  for  the  return 
of  the  premiums  paid  in  case  of  death,  avoid  this  hazard,  but  are  not 
in  any  true  sense  life  insurance  policies,  but  only  a  method  of  accu- 
mulation. 

The  experience  of  the  company,  as  regards  male  lives,  runs  so 
nearly  paralled  to  the  American  Table,  that  for  practical  purposes 
comparisons  with  that  table  are  preferable  to  comparisons  wdth  an 
adjusted  table  of  the  company's  experience,  and  hence  in  all  the  fol- 


lowing  tables  tte  American  Table  of  Mortality  has  been  taken  as  a 
standard  of  comparison. 

Table  XX  gives  the  same  facts,  in  part,  as  regards  policies  issued 
and  amounts  insured  on  male  lives,  as  are  given  in  Table  IV  regard- 
ing the  lives.  Comparing  the  two  tables,  we  find  the  proportion  of 
loss  by  policies  to  be  slightly  in  excess  of  that  by  lives,  and  the  loss 
by  amounts  to  be  somewhat  larger  still.  The  ratios  of  loss  to  ex- 
posure stand,  for  lives  .01121;  for  policies  .01141;  for  amounts  .01157. 
In  like  manner  the  ratios  of  actual  loss  to  the  probable  loss  by  the 
American  Table  stand,  for  lives  .846;  for  policies  .856;  for  amounts 
879.  Comparing  the  ratios  of  actual  to  probable  loss  by  groups  of 
ages,  we  find  no  very  considerable  variation  between  the  ratios  for 
lives  and  policies.  The  groups  7-20,  21-25,  41-45,  and  86-90  give  a 
slightly  smaller  ratio  for  policies  than  for  lives;  the  remaining  groups 
the  reverse.  The  greatest  differences  are  found,  in  the  groups  56-75, 
for  which  the  average  excess  of  the  ratios  for  policies  over  the  ratios 
for  lives  is  .027. 

The  losses  by  amounts  do  not  run  so  nearly  parallel  to  the 
American  Table  as  do  the  losses  by  lives  and  by  policies.  In  this 
regard,  as  to  amounts,  there  seems  to  be  but  very  little  choice  be- 
tween the  four  tables  with  which  the  losses  by  lives  were  compared. 

Comparing  the  ratios  of  actual  to  probable  loss  for  policies  and 
amounts,  we  find  the  ratios  for  policies  to  be  the  greater  for  the  first 
four  groups,  7-35,  notably  so  for  the  first  two  groups,  7-25,  and  the 
less  for  the  following  eight  groups,  36-75.  The  excess  of  loss  by 
amounts  is  especially  noticeable  for  the  ages  56-70,  and  is  even  more 
striking  when  we  compare  the  losses  by  lives  and  amounts. 

The  ratios  of  loss  to  exposures  for  lives  and  for  amounts  are 
proportional  to  the  ratios  of  the  average  amounts  insured  on  the  lives 
exposed  and  on  the  lives  deceased.     That  is, 

Lives  Deceased     .        Amount  Lost  .        .       Amount  Exposed     .      Amount   Lost. 

Lives  Exposed      .     Amount  Exposed       .        .         Lives  Exposed       .    Lives  Deceased. 

The  corresponding  relation  holds  good  as  between  lives  and  policies, 
and  policies  and  amounts.  The  ratios  of  actual  to  probable  loss  are 
in    the    same    proportion    when    only    single    ages    are    considered,    or 


9 

groups  of  ages  for  whicli  the  same  ratio  of  amounts  to  lives,  policies 
to  lives,  or  amounts  to  policies,  as  tlie  case  may  be,  holds  for  all  the 
ages  comprised  in  the  group. 

A  comparison  of  the  ratios  of  losses  by  lives  and  by  amounts  to 
the  exposures,  shows  then  at  once  that  at  certain  ages  an  undue  pro- 
portion of  the  deaths  fell  among  those  insured  for  smaller  amounts, 
while  at  other  ages  the  deaths  fell  largely  among  heavier  insurers. 
For  example,  for  ages  7—20  the  average  amount  insured  on  each  life 
exposed  was  $2,304.10,  while  on  the  lives  deceased  it  was  only 
$1,895.10;  while  for  ages  66-70  the  average  amount  insured  on  lives 
exposed  was  $2,827.67,  while  on  lives  deceased  it  was  $3,248.65. 
That  this  could  have  been  the  result  of  a  mere  chance  seems  improb- 
able when  we  consider  the  extent  of  the  experience  from  which  the 
results  are  deduced,  and  even  more  when  we  note  the  uniformity  of 
the  results  age  by  age.  Thus,  comparing  Tables  III  and  XIX,  we 
find  that  for  ages  under  30  the  ratio  of  loss  to  exposure  by  lives  ex- 
ceeds that  by  amounts  for  sixteen  ages,  and  is  less  for  one  age  only; 
while  for  the  fifteen  ages,  56-70,  the  ratio  of  loss  by  amounts  is  in 
excess  for  fourteen  ages,  and  less  for  only  one  age.  A  part  of  the 
difference  at  the  early  ages  is  due  to  the  excessive  death-rate  under 
term  policies,  which  were  mostly  for  small  amounts.  The  results  at 
some  other  ages  are  aifected  by  the  losses  under  paid-up  policies.  If, 
however,  we  compare  Tables  V  and  XXI,  which  include  only  pre- 
mium-paying life  and  endowment  insurance,  we  shall  still  find  con- 
siderable diiferences  in  the  one  direction  for  ages  7-25  and  in  the 
other  direction  for  ages  56-75. 

These  results  suggest  the  question  whether  those  who  insure  for 
large  amounts, — often,  perhaps  generally,  men  of  good  incomes  and 
living  well,  but  involved  in  the  cares  and  burdened  with  the  respon- 
sibilities of  great  business  enterprises, — are  more  liable  than  other  men 
to  break  down  and  die  at  about  these  latter  ages. 

Tables  V,  VI,  and  VII  exhibit  the  mortality  experience  of  the 
company  as  regards  male  lives  insured  under  premium-paying  life  and 
endowment  policies  (including  policies  paid-up  by  term),  paid-up  policies 
issued  in  lieu  of  policies  surrendered,  and  term  policies,  respectively 


10 

The  deaths  under  premium-paying  life  and  endowment  policies 
were  84.4  per  cent,  of  the  expected  deaths,  the  rate  at  the  different 
ages  running  fairly  parallel  with  the  table.  Compared  with  Table  IV, 
the  only  striking  variation  is  in  the  rate  at  ages  7-20  and  21-25,  due 
to  the  exclusion  of  term  policies  as  before  pointed  out.  The  results 
by  policies  and  amounts,  as  given  in  Table  XXI,  do  not  differ  mate- 
rially, except  as  before  noticed,  from  the  results  by  lives. 

Comparing  the  results  as  regards  premium-paying  life  policies. 
Table  XXII,  with  the  results  as  regards  premium-paying  endowment 
policies,  Table  XXIII,  we  find  a  large  difference  in  the  ratios  of  ac- 
tual to  probable  loss  in  favor  of  the  endowments.  As  regards  poli- 
cies, the  ratios  are  .870  and  .607 ;  as  regards  amounts,  .893  and  .635. 
This  shows  either  a  greater  ability  on  the  part  of  men  apparently  in 
good  health  and  considered  as  desirable  risks  to  estimate  their  own 
relative  chances  of  life — a  greater  power  of  selection  by  the  individual 
— ^than  has  generally  been  believed  possible;  or,  otherwise,  that  those 
whose  circumstances  are  such  as  to  permit  of  the  taking  of  endow- 
ment insurance  have  by  far  the  best  chance  of  long  life. 

The  deaths  under  paid-up  policies  issued  in  lieu  of  policies  sur- 
rendered were  80  per  cent,  of  the  expected  deaths.  The  rate  from 
7-50  is  84.7  per  cent.,  or  slightly  above  that  of  premium-paying  poli- 
cies, as  against  74  per  cent,  for  the  ages  51-85,  indicating,  perhaps,  a 
more  decided  selection  against  the  company  at  the  older  ages.  The 
losses  by  policies  and  amounts,  as  given  in  Table  XXIV,  are  80.2 
and  99.1  per  cent,  of  the  probable  losses  respectively.  The  loss  by 
policies  scarcely  differs  as  a  whole  from  the  loss  by  lives.  The 
greater  loss  by  amounts,  indicating  that  an  undue  proportion  of  the 
deaths  fell  among  the  holders  of  the  larger  paid-up  policies,  is  proba- 
bly due  to  the  fact  that  the  larger  policies  were  more  generally 
issued  in  lieu  of  limited  premium  life  and  endowment  policies,  and 
that,  owing  to  the  larger  premiums,  these  policies  were  more  often 
surrendered  as  a  matter  of  necessity.  Possibly  the  same  cause  may 
have  contributed  somewhat  to  produce  the  small  ratio  of  loss  under 
premium-paying  endowment  policies  before  noted. 

The  lower  ratio  of  actual  to  probable  deaths  under  paid-up  poll- 


11 

cies  as  compared  mth  premium-paying  policies,  indicates  a  selection 
against  the  company  by  tlie  withdrawal  of  lives  of  more  than  average 
vitality ;  the  greater  ratio  by  amounts  indicates  an  additional  money 
loss  due  to  the  disproportional  distribution  of  the  deaths  among  large 
and  small  policies. 

The  ratio  of  actual  to  probable  deaths  among  male  lives  insured 
under  term  policies,  as  shown  by  Table  VII,  is  1,745,  or  more  than 
twice  as  great  as  among  male  lives  insured  under  other  forms  of 
policies,  or  as  a  whole.  This  is  due  in  great  part  to  the  fact  that 
these  policies  were  largely  taken  to  cover  special  risks ;  especially  on 
the  lives  of  persons  going  to  California  to  engage  in  gold-mining  in 
1849  and  the  years  succeeding.  The  excessive  mortality  at  the  ages 
under  25,  and  especially  under  20,  is  probably  due  to  the  immaturity 
of  the  lives  and  their  consequent  inability  to  endure  the  unusual 
strain  put  upon  them.  The  same  cause  may  also  have  operated  to 
increase  somewhat  the  mortality  under  premium-paying  life  and  endow- 
ment policies,  especially  at  the  younger   ages. 

Table  XXV  exhibits  the  company's  experience  under  term  policies 
by  policies  and  amounts.  The  ratio  of  actual  to  probable  for  amounts, 
1.394,  is  considerably  less  than  for  lives  and  policies,  but  still  very 
heavy,  especially  at  the  younger  ages. 

It  does  not  follow  from  the  high  mortality  experienced  under 
term  policies  that  the  business  resulted  in  a  money  loss  to  the 
company.  The  extra  premium  required  for  permits  covering  risks  not 
covered  by  the  policy  contract,  amounting  in  the  year  1851  to  over 
$38,000,  and  in  the  course  of  the  company's  business  to  over  $500,000, 
a  considerable  share  of  which  in  the  earlier  years  of  the  company's 
history  was  received  from  term  policies,  would  probably  more  than 
offset  the  increased  mortality.  The  table  furnishes,  however,  a  good 
illustration  of  the  fact  that  there  are  special  risks  to  be  incuired 
under  life  insurance  policies,  and  a  warning  against  the  folly^  of  re- 
moving all  restrictions  upon  such  risks.  Such  risks,  especially  if 
temporary,  always  have  sought  and  always  will  seek  the  cheapest  in- 
surance obtainable,  and  will  gravitate  to  the  company  taking  them  at 
ordinary  rates,  rather  than  to  a  company  charging   a   sufficient  extra 


12 

premium;  and  quite  possibly  in  sufficient  numbers  to  cause  serious  loss. 
A  careful  analysis  of  the  company's  experience  under  policies  in- 
volving special  risks  would  have  afforded  veiy  interesting  and  valuable 
results;  but  the  labor  involved  was  so  great  as  to  render  such  an  in- 
vestigation impracticable. 

Turning  now  to  the  question  of  the  effect  of  the  duration  of  the 
insurance  upon  the  mortality,  Table  II,  including  all  male  lives,  and 
Table  VIII,  including  only  male  lives  insured  under  premium-paying 
life  and  endowment  policies,  tell  essentially  the  same  story.  The  ratio 
of  actual  to  expected  deaths  for  all  ages  for  the  five  combined  years 
of  insurance,  from  the  6th  to  the  10th  inclusive,  exceeds  the  ratio  of 
the  subsequent  years  combined;  and  of  these  five  years,  the  ratio  for 
the  6th  year  of  insurance  is  the  greatest,  it  exceeding  the  ratio  for 
each  of  the  other  years,  except  the  17th,  24th,  30th,  31st,  and  32d. 
If  we  examine  the  groups  of  ages  separately,  we  shall  find  that,  in 
general,  the  ratios  taken  for  groups  of  five  years  continue  to  increase 
to  later  years;  the  group  51-60  being  an  exception  and  having  suffi- 
cient weight  to  determine  the  result  in  the  summary  of  all  ages.  To 
elucidate  this  further  the  following  table  was  prepared.  It  is  deduced 
from  Table  II,  including  all  male  lives. 

Ratio  of  actual  to  probable  deaths  by  the  American  Table,  for 
the  years  of  insurance  stated : 


Ages  at  Death. 

1-32 

6-32 

11-32 

16-32 

21-32 

26-32 

7-20 

1.399 

.493 

21-30 

.869 

1.107 

1.617 

31-40 

.831 

.914 

1.010 

.844 

1.266 



41-50 

-841 

,888 

.925 

.933 

.908 

.962 

51-60 

863 

.870 

.806 

.870 

.796 

.762 

61-70 

.837 

.856 

.878 

.877 

.899 

.786 

71-80 

.813 

.814 

.822 

.846 

.901 

.959 

81-90 

.785 

.750 

.727 

.629 

Al! 

.846 

.880 

.868 

.872 

.862 

.815 

13 

The  column  headed   1-32  shows  the   ratios  of  actual  to  probable 

deaths  for  the  whole  thirty-two  years  of  insurance  combined;  the 
next  gives  the  ratios  obtained  after  excluding  the  first  five  years  of 
insurance;  the  third  after  excluding  the  first  ten  years  of  insurance; 
etc.  It  will  be  noted  that,  taking  all  ages  together,  the  highest  ratio 
is  obtained  after  excluding  the  first  five  years  only,  although  this  is 
not  true  of  single  groups  of  ages. 

Tables  XXVI  and  XXVII,  which  show  the  losses  by  policies 
and  amounts  under  premium-paying  life  and  premium-paying  endow  ■ 
ment  policies  respectively  by  years  of  insurance,  exhibit  no  new  facts 
deserving  of  special  attention.  Combining  the  two  and  reducing  the 
results  to  the  form  of  the  table  for  lives  given  above  we  obtain  the 
following  tables,  which  are  interesting  for  purposes  of  comparison. 

Ratio  of  actual  to  probable  number  of  premium-paying  life  and 
endowment  policies  ceased  by  death  for  the  years  of  insurance  stated: 


Ages  at  Death. 

1-32 

6-32 

11-32 

16-32 

21-32 

26-32 

7-20 

1.U6 

.575 

21-30 

822 

1.199 

1.732 

31-40 

.830 

.948 

1.071 

.895 

1.316 

41-50 

.834 

.896 

.919 

.949 

.943 

1.014 

51-60 

.879 

.905 

.829 

.881 

.817 

.807 

61-70 

.878 

.908 

,897 

.908 

.911 

.779 

71-80 

.840 

.842 

.846 

.861 

.930 

.942 

81-90 

.726 

.692 

.670 

.624 

All 

.850 

.909 

.883 

.889 

.877 

.817 

14 


Ratio  of  actual  to  probable  losses  by  death  under  premium-pay- 
ing life  and  endowment  policies  for  tte  years  of  insurance  stated ; 


Ages  at  Death. 

1-32 

6.32 

11-32 

16-32 

21-32 

26-32 

7-20 

LOGO 

.641 

21-30 

.812 

1.288 

2.077 

31-40 

.847 

.951 

1.064 

.706 

1.550 

41-50 

.852 

.940 

.964 

1.052 

.972 

.928 

51-60 

.916 

.941 

.858 

.955 

.899 

.848 

61-70 

.933 

.987 

.959 

.973 

1.012 

.830 

71-80 

.833 

.837 

.853 

.884 

.976 

1.014 

81-90 



.741 

.716 

.639 

.649 

AU 

.875 

.951 

.922 

.954 

.953 

.868 

Turning  to  Table  IX,  we  find  that  in  case  of  male  lives  insured 
under  paid-up  policies  issued  in  lieu  of  policies  surrendered,  taken 
either  as  a  whole  or  by  groups  of  ages,  (with  a  single  exception,)  the 
ratio  of  actual  to  probable  deaths  is  greater  for  the  first  five  years 
than  for  the  remaining  years.  The  single  exception  is  the  group  of 
ages  51-60,  for  which  the  ratio  for  the  first  five  years  is  .781  and  for 
all  years  combined  .783.  The  mortality  as  a  whole  is  80  per  cent,  of 
the  probable  mortality  by  the  American  Table,  against  a  mortality  of 
84.4  per  cent,  in  case  of  premium-paying  policies,  and  decreases  with 
the  passing  of  each  successive  year  of  insurance  until  we  reach  the 
ninth  year;  the  percentages  obtained,  first  by  including  all  years  and 
then  excluding  successive  years  until  we  have  excluded  the  firat  ten, 
being  80.0—79.4—78.9—78.0—72.2—70.9—64.1—54.8—53.6—60.2— 
27.4.  The  probable  explanation  of  the  greater  mortality  in  the  earlier 
years  seems  to  be  that  while,  as  a  whole,  those  who  withdraw  and 
take  paid-up  insurance  are  somewhat  better  lives  than  those  who 
continue  their  insurance,  a  sufficient  number  of  diseased  lives  also 
withdraw,  from  financial  necessity  or  otherwise,  to  raise  the  mor- 
tality during  the  earlier  years  to  nearly  the  average  mortality  under 
premium-paying    policies :    and   that    as    these    lives   are   weeded   out 


15 

by   death,   the   effect    of    the   better   lives    becomes   more    and    more 
apparent. 

The  ratios  of  actual  to  probable  losses  for  policies  and  for 
amounts  are  also,  as  a  whole,  and,  in  general,  for  groups  of  ages, 
larger  for  the  first  five  years  of  insurance  than  for  the  remaining 
years,  as  is  shown  by  Table  XXVIII.  For  all  ages  combined  the 
ratios  are: 


Years  of  Insurance. 

For  Lives. 

For  Policies. 

For  Amounts. 

1-5 

.836 

.833 

1.018 

6-10 

.740 

.741 

.935 

11-19 

.274 

.180 

.074 

All 

.800 

.802 

.991 

In  Table  X  we  note  the  heavy  mortality  under  term  policies  at 
all  ages  and  in  all  years  of  insurance,  but  particularly  at  the  youngest 
ages  and  the  first  years  of  insurance.  The  ratio  of  actual  to  probable 
mortality  for  the  ages  7-20  is  4.981  against  1.665  for  the  remaining 
ages,  and  2.706  for  the  first  year  of  insurance  against  1.274  for  the 
remaining  years.  The  probable  cause  of  this  excessive  mortality  has 
been  referred  to.  Like  results  are  obtained  for  policies  and  for 
amounts,  the  losses  by  amounts  being,  however,  less  than  by  lives  or 
policies,  indicating  that  the  losses  fell  heavily  among  the  smaller 
policies. 

Some  of  the  most  interesting  and  valuable  results  obtained  in 
the  course  of  the  investigation  are  given  in  Tables  XI  and  XII. 
Table  XI  exhibits  the  results  obtained  by  classifying  the  male  lives 
by  the  Country  of  their  birth.  Taking  all  ages  together  we  find 
Natives  to  be  the  best  risks,  and  the  Irish  the  worst.  Taking  groups 
of  ages  there  is  great  diversity.  The  most  striking  feature  is  the 
steady  deterioration  of  the  Germans  with  increasing  age.  From  21  to 
70,  by  groups  of  ten  ages,  their  record  runs  .636 — .753 — .973 — 1.237 
—1.283. 


16 

Table  XII  exhibits  tbe  mortality  of  male  lives  classified  by  occu- 
pation. The  classification  is  not  all  that  could  be  desired,  principally 
owing  to  the  indefiniteness  with  which  the  occupations  were  often 
given  in  the  applications,  especially  in  earlier  years  Thus  it  would 
have  been  very  desirable  to  subdivide  class  19 — Merchants — according 
to  the  nature  of  the  business ;  but  the  application  so  generally  gives 
the  occupation  merely  as  "Merchant"  that  such  subdivision  did  not 
seem  practicable.  It  is  to  be  remembered,  too,  that  the  lives  are 
selected  lives,  and  the  designation  of  the  occupation  will  thus  in  some 
instances  come  to  have  a  special  or  restricted  meaning  Thus,  often 
when  the  designation  is  one  that  ordinarily  is  applied  indiscriminately 
to  employers  and  employed,  or  officers  and  subordinates,  it  may  well 
happen  that  the  lives  under  observation  are  almost  exclusively  of  the 
former  class.  As  instances  we  might  name  "Lumbermen,"  "Livery- 
men," "Teamsters,"  and  "Mariners."  Changes  of  occupation  will  also 
have  had  some  effect  on  the  results  obtained,  though  probably  not 
great.  So  far  as  it  has  effect  it  will  have  tended  to  equalize  the 
observed  death-rates.  The  number  of  lives  under  observation  was 
also  in  some  instances  too  small  to  entitle  the  results  to  credit. 

The  classes  of  occupation  have  been  arranged  in  the  order  of  the 
excellence  of  the  risks  as  measured  by  comparison  with  the  American 
Table.  From  this  is  excepted  the  last  two  classes,  which  are  com- 
posed of  lives  of  no  particular  occupation,  but  quite  miscellaneous. 
The  low  mortality  of  the  last  class  (49),  and  the  great  average  durar 
tion  of  the  insurances  and  the  large  per  cent,  still  existing,  are  due 
to  the  introduction  of  a  large  percentage  of  the  years  of  exposure 
without  any  corresponding  deaths  or  withdrawals,  at  the  expense  of 
the  other  classes. 

The  same  table  exhibits  the  average  duration  of  the  insurances, 
and  the  proportion  of  lives  still  insured,  in  each  class.  The  following 
tables  give  the  classes  which  have  exceeded  the  average,  either  in 
the  duration  of  the  insurances  or  the  per  cent,  remaining  insured, 
arranged  in  the  order  of  duration  and  per  cent,  existing: 


17 


Class. 

Average  duration 
of  Insurance. 

Per  cent,  re- 
maining Insnred. 

Class. 

Per  cent,  re- 
maining Insured. 

Average  diu-ation 
of  Insurance. 

7 

9.74 

61 

10 

67 

8.32 

8 

9.03 

51 

1 

67 

5.83 

5 

8.92 

37 

7 

61 

9.74 

19 

8.64 

56 

38 

59 

6.74 

3 

8.59 

53 

16 

58 

8.01 

18 

8.57 

53 

27 

58 

7.74 

23 

8.48 

57 

23 

57 

8.48 

17 

8.35 

51 

19 

56 

8.64 

25 

8.34 

46 

4 

56 

7.99 

10 

8.32 

67 

36 

54 

7.82 

14 

8.21 

41 

11 

54 

7.48 

16 

8.01 

58 

18 

53 

8.57 

4 

7.99 

56 

3 

53 

8.59 

24 

52 

7.35 

Of  the  thirteen  classes  in  tlie  first  group  and  the  fourteen  classes 
in  the  second  group,  eight  classes  are  found  in  both.  Eleven  classes 
of  the  first  group  and  nine  classes  of  the  second  group,  including 
seven  of  the  eight  common  to  the  two  groups,  show  a  mortality  be- 
low the  average.  The  seven  classes  which  show  a  duration  and  a  per 
cent,  of  existing  in  excess  of  the  average,  and  a  mortality  below  the 
average,  are  3,  4,  7,  10,  16,  18,  and  19. 

The  comparison  in  Table  XII  has  been  made  between  the  actual 
deaths  and  the  probable  deaths  by  the  •  American  Table.  It  will  be 
remembered  that  the  experience  of  the  company  does  not  run  pre- 
cisely parallel  to  the  table,  the  most  noticeable  variation  being  an 
excessive  mortality  at  ages  under  twenty-five,  and  especially  under 
twenty.  The  deaths  for  ages  7-20  are  distributed  among  the  classes 
of  occupations   as  follows,  the  probable   deaths  being  also  given  for 


comparison : 

Class 

3 

Actual  deaths 

1 

Probable 

deaths 

.05 

(( 

14 

« 

it 

2 

u 

u 

.32 

u 

19 

(( 

u 

2 

« 

« 

1.43 

« 

20 

« 

u 

9 

u 

« 

2.79 

u 

21 

u 

(t 

1 

u 

« 

.72 

18 


Class  22 

Actual 

deaths 

2 

Probable 

deaths       .75 

"      27 

u 

IC 

13 

(( 

"       11.71 

«      43 

u 

u 

12 

(( 

9.12 

«      44 

u 

u 

2 

« 

.18 

"      48 

u 

u 

7 

u 

3.21 

Class  49  has  no  actual  against  1.22  probable  deaths.  In  no  other 
class  do  the  probable  deaths  amount  to  1,  and  only  in  two  cases  to 
.50.  These  figures  indicate  that  the  cause  which  produced  the  exces- 
sive mortality  at  these  ages  was  not  limited  to  any  particular  pccu- 
pation  or  class  of  occupations.  Classes  20,  22,  42,  43,  and  45  also 
show  a  high  rate  of  mortality  for  the  ages  21-30,  although  iu  case 
of  the  three  latter  classes  a  high  rate  is  not  confined  to  these  ages. 
Table  XIII,  giving  the  actual  and  probable  deaths  by  groups  of  agea 
for  each  class  of  occupation,  will  permit  of  such  further  study  of  the 
subject  as  may  be  desirable. 

The  same  table  will  well  illustrate  the  fallacy  involved  in  a  com- 
parison of  the  average  age  at  death  of  persons  of  different  occupations, 
as  a  measure  of  the  healthfulness  of  the  occupation.  As  an  extreme 
illustration  we  will  compare  classes  35  and  43.  Of  class  35,  35  per 
cent,  of  the  actual  and  47  per  cent,  of  the  probable  deaths  fall  in 
ages  61-90;  while  of  class  43,  78  per  cent,  of  the  actual  and  75  per 
cent,  of  the  probable  deaths  fall  in  ages  7-30.  The  average  age  at 
death  of  class  35  is  56.8  years ;  while  the  average  age  at  death  of 
class  43  is  25.8  years;  and  yet  the  ratios  of  actual  to  probable  deaths 
ia  for  class  35,  .979,  and  for  class  43,  1.172,  a  difference  in  no  wise 
corresponding  with  the  difference  in  average  age  at  death. 

If  we  take  two  classes  of  occupations  of  more  nearly  similar 
character,  19  and  27,  we  find  the  ratio  of  probable  deaths  of  27  to 
probable  deaths  of  19  to  be:  for  ages  7-30,  1.03;  for  ages  31-40,  .38; 
for  ages  41-50,  .21;  for  ages  51-60,  .15;  for  ages  61-90,  .14;  indicat- 
ing by  the  rapidly-decreasing  ratio  a  great  difference  in  the  average 
ages  of  the  lives  of  the  two  classes.  A  corresponding  difference  in 
the  average  age  at  death  would  indicate  only  a  similar  healthfulness 
of  occupation. 


19 

Table  XIV  gives  the  exposures,  deaths,  and  ratio  of  deaths  to 
exposures,  of  female  risks,  age  by  age.  Table  XV  gives  the  same 
facts  for  groups  of  ages  and  of  years  of  insurance,  and  also  for  groups 
of  ages  without  regard  to  years  of  insurance, — the  latter  being  a  sum- 
mary of  Table  XIV, — and  adds  to  this  the  probable  deaths  by  the 
American  Table  and  the  ratio  of  actual  to  probable  deaths.  Table 
XVI  gives  like  facts  in  like  form  as  regards  female  lives  insured 
under  premium-paying  life  and  endowment  policies.  These  last  two 
tables  give  essentially  the  same  results.  We  note  that  the  death-rate 
is  practically  uniform  for  the  groups  of  ages  7-50,  and  that  for  the 
groups  7-45  it  is  largely  in  excess  both  of  the  death-rate  for  male 
lives  and  of  the  table  rate,  while  for  the  groups  46-80  it  is  below 
the  rate  for  male  lives  as  well  as  the  table  rate.  The  ratio  of  actual 
to  probable  for  the  totals  of  each  table  is  .945. 

The  Thirty  American  Offices  Experience  shows  an  excess  in  the 
death-rate  of  females  as  compared  with  males  between  ages  15  and 
45,  the  rate  for  ages  25-50  being  substantially  uniform,  a  lower  rate 
for  females  than  for  males  for  the  ages  46-65,  and  a  higher  rate  again 
at  the  older  ages.  Comparing  the  BF  and  the  H^  Tables  we  find 
similar  variations.  The  death-rate  under  the  H^  Table  is,  in  general, 
the  greater  for  ages  20-47  and  the  less  for  the  ages  48-83,  and  in- 
creases but  slightly  between  25  and  50. 

Comparing  Tables  XXX  and  XXXI  our  attention  is  drawn  to 
the  larger  ratio  of  loss  under  life  policies  as  compared  mth  that  un- 
der endowment  policies.  This  is  in  large  part  due  to  the  fact  that 
there  were  no  exposiires  under  endowment  policies  at  ages  beyond  65, 
and  no  losses  at  ages  beyond  50.  For  younger  ages  we  have  the 
follo-\ving  ratios  of  loss  to  exposure  for  the  two  classes  of  policies: 


Ages. 

LiPE  Policies. 

Endowmekt  Policies. 

For  Policies. 

For  AmoontB. 

For  Policies. 

For  Amounts. 

Under  36 
36-50 

.01057 
.01089 

.01004 
.01066 

.00995 

.00433 

.01047 
.00377 

20 

The  ratios  of  losses  for  the  totals  of  the  two  tables  combined  is,  for 
policies  .01213  and  for  amounts  .01182,  while  that  for  lives  insured 
under  the  same  policies  is  .01211.  The  losses  by  amounts  were 
slightly  less  than  by  lives  in  case  of  females,  while  in  case  of  males 
the  reverse  was  true. 

Tables  XVII  and  XXXII  exhibit  the  experience  of  the  company 
on  paid-up  policies  issued  on  female  lives  in  lieu  of  policies  surren- 
dered. The  ratios  of  losses  to  exposures  were,  for  lives,  .01173,  for 
policies,  .01194,  for  amounts,  .01204.  The  ratio  of  loss  to  exposure 
for  lives  was  greater  for  the  first  five  years  of  insurance  than  for  all 
years  combined,  notwithstanding  the  younger  ages  at  exposure  in  the 
first  five  years.  The  ratio  of  actual  to  probable  loss  by  the  American 
Table  was  .941,  or  about  the  same  as  for  premium-paying  policies. 

Tables  XVIII  and  XXXIII  exhibit  the  experience  of  the  com- 
pany on  term  policies  on  female  lives.  The  ratios  of  losses  to  expos- 
ures were,  for  lives  .01521,  for  policies  .01705,  and  for  amounts  .02654. 
The  losses  by  amounts  were  greater  than  by  lives,  while  for  male 
lives  the  reverse  was  true.  The  ratio  of  actual  to  probable  losses  by 
lives  is  1.581. 

Tables  XXXIV  and  XXXV  present  the  facts  regarding  the  dis- 
continuance of  Premium-paying  Life  and  Premium-paying  Endowment 
Policies  respectively,  on  male  lives.  The  first  fact  which  attracts 
attention  is  the  rapid  and  regular  decrease  in  the  ratio  of  withdrawals 
as  the  age  of  the  business  increases.  Of  the  $156,069,382  of  premium- 
paying  insurance  lost  otherwise  than  by  the  natural  termination  of 
the  contract  by  death  or  expiiy,  $45,291,565,  or  29  per  cent.,  termi- 
nated after  one  year,  $120,096,220,  or  77  per  cent.,  within  the  first 
five  years,  and  $148,200,053,  or  95  per  cent.,  within  the  first  ten  years. 
These  figures  will  be  somewhat  modified  in  the  future,  but  they  show 
very  forcibly  the  fact  that  withdrawals  are  mostly  confined  to  the 
earlier  years  of  insurance.  We  note  also  that  the  loss  is  greatest  in 
case  of  policies  issued  at  the  youngest  ages,  and  decreases  as  the  age 
at  issue  increases;  also  that  the  per  cent,  of  withdrawals  in  case  of 
endowment  policies  exceeds  that  in  case  of  life  policies,  both  as  a 
whole  and  for  each  year  of  insurance,  from  the  second  to  the  thirteenth 


21 

inclusive.  For  tlie  first  year  of  insurance  tlie  withdrawals  of  life 
policies  exceed.  Beyond  the  thirteenth  year  of  insurance  there  have 
been  but  very  few  endowment  policies  exposed,  and  only  one  with- 
drawal. 

Tables  XXXVI  and  XXXVII  give  the  per  cent,  discontinued  of 
Premium-paying  Life  and  Endowment  Policies,  each  kind  being  divided 
into  three  divisions  by  date  of  issue,  Adz.:  those  issued  prior  to  1865, 
from  1865  to  1869  inclusive,  and  from  1870  to  1877  inclusive.  Com- 
paring the  tables  we  find  that  the  loss  of  business  by  withdrawals 
increases  with  the  later  date  of  issue,  and  this  not  merely  as  a  whole, 
which  would  be  expected,  but  for  the  same  years  of  insurance  as 
well.  A  part  of  this  increase  is  probably  due  to  the  greater  compe- 
tition for  new  business,  resulting  in  the  insuring  of  many  who  are 
unable  or  unwilling  to  continue  the  insurance,  and  in  the  inducements 
which  are  too  often  held  out  by  unscrupulous  solicitors  to  incite 
policy-holders  in  one  company  to  exchange  their  policies  for  new  ones 
in  some  other  company.  A-  large  part  of  the  increase  of  fifty  per 
cent,  in  the  discontinuances  in  the  first  year  as  between  policies  issued 
in  18-16-1864  and  those  issued  in  1870-1877,  is  to  be  thus  accounted 
for.  Another  considerable  cause  is  found  in  the  doing  away  with  the 
absolute  forfeiture  of  lapsed  policies,  and  the  payment  of  ecjuitable 
surrender  values.  The  operation  of  this  cause  is  abundantly  illustrated 
in  the  increase  of  withdrawals  at  the  end  of  the  second  year  from 
two  to  eleven  per  cent.,  as  between  endowment  policies  issued  in 
1846-1864  and  1865-1869.  Other  causes  are  to  be  found  in  the 
distrust  of  life  insurance  caused  by  the  failure  of  many  speculative 
companies  organized  in  the  flush  times  following  the  war,  and  in  the 
financial  conditions  of  the  times. 


22 


TABLE   I. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


First  Year. 

Second  Year. 

Third  Year. 

Fourth  Year. 

Age  at 
ExpoB- 

Age  at 
Expos- 

ure. 

Exposed. 

Sled. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

ure. 

7-10 

11 

2 

1 

1 

7-10 

11 

4 

7 

1 

11 

12 

9 

4 

7 

1 

12 

13 

18 

1 

9 

3 

7 

13 

14 

72 

1 

15 

9 

3 

14 

15 

96 

1 

61 

13 

9 

15 

16 

122 

1 

78 

1 

58 

12 

16 

17 

222 

4 

103 

69 

54 

1 

17 

18 

294 

3 

173 

1 

96 

1 

59 

18 

19 

519 

9 

213 

1 

153 

5 

87 

2 

19 

20 

831 

11 

385 

4 

197 

134 

1 

20 

21 

1,390 

17 

641 

2 

328 

2 

181 

1 

21 

22 

1,761 

8 

1,038 

16 

547 

1 

297 

3 

22 

23 

2,177 

12 

1,322 

9 

864 

7 

489 

5 

33 

24 

2,550 

22 

1,659 

8 

1,117 

9 

764 

6 

24 

25 

2,944 

20 

1,983 

19 

1,443 

7 

977 

9 

25 

26 

3,169 

22 

2,286 

10 

1,694 

12 

1,292 

10 

26 

27 

3,505 

22 

2,495 

21 

2,005 

10 

1,526 

13 

27 

28 

3,788 

24 

2,749 

13 

2,160 

8 

1,791 

13 

28 

29 

3,988 

21 

3,033 

23 

2,411 

21 

1,930 

16 

29 

30 

4,141 

26 

3,235 

9 

2,656 

12 

2,164 

9 

30 

31 

3,922 

14 

3,356 

25 

2,858 

19 

2,399 

21 

31 

32 

4,184 

25 

3,190 

18 

2,972 

21 

2,552 

12 

32 

33 

4,250 

27 

3,446 

21 

2,835 

21 

2,692 

20 

33 

34 

4,016 

22 

3,508 

30 

3,062 

26 

2,600 

19 

34 

35 

3,943 

18 

3,290 

9 

3,136 

25 

2,810 

24 

35 

36 

3,864 

29 

3,250 

25 

2,945 

16 

2,856 

21 

36 

37 

3,569 

18 

3,219 

23 

2,934 

17 

2,721 

17 

37 

38 

3,546 

24 

2,969 

31 

2,904 

19 

2,682 

20 

38 

39 

3,319 

22 

2,934 

29 

2,658 

23 

2,652 

25 

39 

40 

3,321 

21 

2,730 

16 

2,638 

26 

2,429 

23 

40 

41 

2,923 

22 

2,770 

18 

2,471 

17 

2,424 

23 

41 

42 

2,744 

32 

2,450 

14 

2,497 

23 

2,269 

18 

42 

43 

2,489 

18 

2,300 

21 

2,205 

17 

2,295 

35 

43 

44 

2,397 

21 

2,102 

12 

2,091 

14 

2,042 

13 

44 

45 

2,233 

11 

2,015 

20 

1,899 

12 

1,915 

13 

45 

23 


TABLE  I.— Continued. 

MALE  LIVES  BY  YEARS  OF  mSURANCE. 


First  Tear. 

Second  Tear. 

Third  Tear. 

Fourth  Year. 

Age  at 
Expos- 

Age at 
Expos- 

ure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

ure. 

46 

2,100 

11 

1,879 

20 

1,820 

18 

1,760 

17 

46 

47 

1,806 

13 

1,789 

17 

1,697 

18 

1,675 

15 

47 

48 

1,699 

14 

1,528 

17 

1,616 

15 

1,584 

23 

48 

49 

1,449 

12 

1,440 

10 

1,382 

14 

1,489 

18 

49 

50 

1,360 

15 

1,257 

12 

1,308 

10 

1,282 

8 

50 

51 

1,073 

9 

1,141 

22 

1,147 

10 

1,203 

15 

51 

52 

1,105 

10 

913 

13 

1,028 

10 

1,062 

10 

52 

53 

875 

10 

927 

12 

823 

6 

948 

11 

53 

54 

719 

17 

757 

10 

835 

15 

765 

13 

54 

55 

649 

11 

598 

19 

668 

8 

767 

9 

55 

56 

583 

10 

555 

9 

528 

9 

617 

8 

56 

57 

471 

12 

482 

6 

504 

10 

485 

6 

57 

58 

399 

5 

382 

3 

446 

9 

463 

10 

58 

59 

335 

6 

342 

12 

351 

12 

410 

10 

59 

60 

310 

13 

289 

7 

306 

5 

319 

7 

60 

61 

172 

4 

263 

5 

269 

4 

282 

12 

61 

62 

108 

3 

143 

2 

242 

6 

253 

2 

62 

63 

89 

2 

92 

3 

129 

2 

221 

4 

63 

64 

77 

1 

77 

2 

82 

3 

121 

5 

64 

65 

47 

2 

66 

1 

68 

2 

73 

2 

65 

66 

11 

1 

39 

1 

60 

2 

63 

2 

66 

67 

7 

10 

33 

53 

1 

67 

68 

8 

6 

9 

30 

2 

68 

69 

2 

7 

6 

8 

69 

70 

2 

2 

6 

5 

70 

71 

1 

1 

2 

6 

71 

72 

1 

1 

2 

72 

73 

1 

1 

1 

73 

74 

1 

1 

74 

75 

1 

1 

75 

76 

1 

1 

1 

76 

Total, 

97,790 

730 

80,008 

653 

71,305 

579 

65,065 

603 

Total. 

24 


TABLE    I.— Contimied. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


FlPTH  Ybab. 

Sixth  Year. 

Sbvbnth  Yeab. 

Eighth  Ykab. 

Age  at 
Exposure. 

Age  at 
Exposure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

11 

11 

12 

12 

13 

1 

13 

14 

7 

1 

14 

15 

3 

6 

1 

15 

16 

9 

3 

6 

1 

16 

17 

11 

1 

9 

3 

5 

17 

18 

53 

9 

8 

2 

18 

19 

57 

51 

9 

1 

8 

19 

20 

82 

1 

53 

50 

7 

20 

21 

123 

1 

74 

1 

53 

1 

46 

21 

22 

170 

1 

112 

1 

66 

45 

1 

22 

23 

270 

5 

154 

1 

105 

3 

63 

1 

23 

24 

445 

3 

240 

3 

134 

1 

97 

1 

24 

25 

683 

6 

395 

3 

222 

2 

117 

25 

26 

886 

5 

604 

5 

362 

6 

196 

26 

27 

1,151 

13 

812 

2 

541 

6 

310 

2 

27 

28 

1,374 

10 

1,054 

9 

733 

5 

467 

8 

28 

29 

1,601 

13 

1,246 

12 

945 

11 

643 

6 

29 

30 

1,736 

16 

1,456 

15 

1,142 

8 

819 

3 

30 

31 

1,973 

19 

1,587 

8 

1,348 

5 

1,017 

3 

31 

32 

2,170 

20 

1,799 

15 

1,474 

11 

1,205 

10 

32 

33 

2,310 

14 

2,010 

20 

1,662 

15 

1,329 

13 

33 

34 

2,480 

12 

2,152 

17 

1,865 

20 

1,512 

8 

34 

35 

2,380 

21 

2,302 

23 

1,991 

10 

1,709 

20 

35 

36 

2,573 

16 

2,179 

18 

2,128 

19 

1,808 

9 

36 

37 

2,609 

20 

2,414 

28 

2,033 

17 

1,950 

12 

37 

38 

2,478 

16 

2,438 

14 

2,251 

17 

1,847 

13 

38 

39 

2,452 

19 

2,315 

21 

2,304 

21 

2,087 

22 

39 

40 

2,420 

22 

2,290 

30 

2,161 

27 

2,129 

16 

40 

41 

2,231 

15 

2,265 

18 

2,140 

11 

1,983 

14 

41 

42 

2,223 

16 

2,092 

24 

2,131 

16 

1,976 

16 

42 

43 

2,081 

17 

2,076 

22 

1,959 

21 

1,972 

21 

43 

44 

2,103 

25 

1,943 

17 

1,951 

21 

1,785 

14 

44 

45 

1,882 

14 

1,981 

18 

1,822 

18 

1,814 

14 

45 

25 


TABLE    I— Continued. 

MALE  LIVES  BY  YEARS  OP  INSURANCE. 


FlTTH  YSAH. 

Sixth  Year. 

Seventh  Year. 

Eighth  Year. 

Age  at 

Ape  at 

Exposure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposure. 

46 

1,772 

18 

1,757 

16 

1,854 

21 

1,691 

16 

46 

47 

1,643 

17 

1,052 

16 

1,643 

16 

1,722 

19 

47 

48 

1,559 

20 

1,549 

23 

1,535 

16 

1,523 

17 

48 

49 

1,462 

11 

1,442 

16 

1,437 

14 

1,432 

18 

49 

50 

1,363 

17 

1,387 

17 

1,346 

8 

1,336 

15 

50 

51 

1,195 

13 

1,272 

18 

1,293 

27 

1,264 

24 

51 

52 

1,131 

18 

1,135 

12 

1,188 

16 

1,181 

17 

52 

53 

993 

8 

1,050 

18 

1,059 

17 

1,092 

20 

53 

54 

887 

8 

937 

13 

981 

12 

982 

21 

54 

55 

701 

13 

836 

14 

889 

10 

914 

19 

55 

56 

714 

12 

648 

18 

797 

16 

818 

13 

56 

57 

579 

9 

660 

13 

597 

9 

738 

15 

57 

58 

448 

13 

543 

7 

614 

10 

556 

11 

58 

59 

432 

11 

421 

9 

519 

10 

571 

9 

59 

60 

376 

9 

406 

16 

391 

12 

482 

17 

60 

61 

297 

8 

351 

3 

370 

5 

355 

2 

61 

62 

258 

3 

273 

7 

334 

6 

341 

11 

62 

63 

239 

4 

239 

9 

252 

9 

310 

9 

63 

64 

208 

9 

233 

10 

220 

13 

230 

5 

64 

65 

108 

2 

195 

4 

220 

5 

192 

6 

65 

66 

62 

2 

103 

3 

182 

8 

203 

7 

66 

67 

60 

1 

58 

3 

96 

2 

164 

3 

67 

68 

42 

51 

1 

52 

1 

87 

3 

68 

69 

24 

41 

1 

47 

2 

48 

3 

69 

70 

8 

2 

21 

2 

38 

40 

2 

70 

71 

5 

6 

2 

16 

2 

32 

3 

71 

72 

6 

1 

5 

4 

8 

72 

73 

2 

5 

5 

4 

73 

74 

1 

2 

5 

5 

74 

75 

1 

1 

2 

5 

1 

75 

76 

1 

1 

2 

76 

77 

I 

I 

1 

77 

78 

1 

1 

78 

Total, 

59,604 

570 

55,403 

617 

51,588 

560 

47,278 

533 

Total. 

26 


TABLE    I— Continued. 

MALE  LIVES  BY  YEARS  OP  INSURANCE. 


Ninth  Year. 

Tentu  Year. 

Eleventh  Year. 

Twelfth 

Year. 

Age  at 
ExpoBure. 

Age  at 
Exposure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

16 

16 

17 

1 

17 

18 

5 

1 

18 

19 

2 

5 

1 

19 

20 

7 

2 

4 

1 

20 

21 

6 

6 

1 

2 

21 

22 

43 

5 

4 

1 

22 

23 

40 

41 

3 

1 

3 

23 

24 

58 

37 

36 

1 

24 

25 

81 

52 

1 

27 

27 

25 

26 

101 

3 

73 

1 

37 

24 

26 

27 

170 

1 

87 

2 

58 

1 

31 

27 

28 

263 

3 

152 

2 

68 

I 

46 

28 

29 

410 

6 

231 

121 

2 

44 

29 

30 

546 

5 

348 

1 

184 

4 

92 

1 

30 

31 

710 

4 

483 

4 

280 

3 

130 

2 

31 

32 

906 

8 

614 

8 

388 

4 

204 

1 

32 

33 

1,048 

11 

805 

6 

504 

3 

298 

3 

33 

34 

1,158 

6 

941 

4 

676 

7 

382 

34 

35 

1,365 

13 

1,042 

12 

806 

6 

553 

4 

35 

36 

1,533 

11 

1,226 

8 

895 

5 

634 

7 

36 

37 

1,646 

10 

1,390 

13 

1,069 

13 

723 

6 

37 

38 

1,754 

13 

1,478 

9 

1,204 

11 

871 

5 

38 

39 

1,701 

13 

1,609 

10 

1,282 

10 

989 

10 

39 

40 

1,917 

9 

1,558 

13 

1,381 

14 

1,061 

7 

40 

41 

1,946 

11 

1,774 

9 

1,359 

16 

1,137 

12 

41 

42 

1,832 

22 

1,801 

20 

1,582 

12 

1,135 

8 

42 

43 

1,814 

23 

1,681 

12 

1,554 

16 

1,334 

11 

43 

44 

1,789 

23 

1,640 

11 

1,463 

10 

1,292 

14 

44 

45 

1,643 

15 

1,643 

20 

1,409 

24 

1,185 

13 

45 

46 

1,690 

17 

1,510 

22 

1,422 

16 

1,161 

10 

46 

47 

1,555 

24 

1,544 

18 

1,311 

12 

1,179 

16 

47 

48 

1,571 

12 

1,428 

11 

1,344 

10 

1,077 

16 

48 

49 

1,403 

12 

1,433 

13 

1,248 

11 

1,096 

11 

49 

50 

1,319 

15 

1,276 

16 

1,214 

17 

1,006 

17 

50 

27 


TABLE    I.— Continued. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


Age  at 
Exposure. 

Ninth  Year. 

Tenth  Tear. 

Ele'v'Enth  Year. 

Twelfth  Year. 

Age  at 
Exposure 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

51 

1,248 

18 

1,205 

26 

1,097 

7 

973 

10 

51 

52 

1,163 

26 

1,148 

18 

1,045 

10 

930 

8 

52 

53 

1,093 

20 

1,056 

16 

1,001 

17 

852 

14 

53 

54 

1,015 

17 

1,001 

16 

928 

15 

806 

8 

54 

55 

89V 

12 

924 

14 

857 

11 

739 

14 

55 

56 

822 

21 

814 

12 

799 

11 

693 

10 

56 

57 

758 

14 

754 

10 

681 

16 

666 

8 

57 

58 

659 

15 

682 

17 

637 

7 

534 

11 

58 

59 

509 

6 

575 

12 

567 

13 

505 

10 

59 

60 

523 

10 

460 

8 

474 

9 

448 

11 

60 

61 

438 

19 

471 

13 

386 

7 

368 

13 

61 

62 

325 

11 

386 

8 

385 

12 

307 

8 

62 

63 

317 

11 

287 

5 

330 

.  12 

313 

5 

63 

64 

280 

10 

279 

11 

246 

6 

261 

8 

64 

65 

216 

6 

243 

7 

229 

6 

192 

7 

65 

66 

172 

4 

195 

4 

189 

4 

182 

10 

66 

67 

187 

8 

152 

7 

155 

7 

145 

8 

67 

68 

153 

9 

164 

8 

116 

2 

118 

4 

68 

69 

69 

2 

129 

6 

140 

7 

83 

6 

69 

70 

40 

1 

64 

4 

101 

3 

106 

7 

70 

71 

32 

2 

32 

54 

3 

78 

2 

71 

72 

27 

1 

27 

27 

5 

36 

72 

73 

7 

1 

24 

2 

25 

1 

14 

73 

74 

4 

6 

22 

1 

20 

1 

74 

75 

4 

4 

5 

18 

1 

75 

76 

4 

4 

1 

4 

1 

5 

76 

77 

2 

4 

3 

3 

77 

78 

1 

1 

4 

3 

78 

79 

I 

3 

79 

80 

1 

80 

81 

1 

81 

Total, 

42,998 

534 

39,008 

471 

33,443 

422 

27,121 

358 

Total.  : 

28 


TABLE    I.— Continued. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


Thirteenth  Teab. 

FOUKTBENTH  TEAB. 

Fifteenth  Year. 

Sixteenth  Yeak. 

Age  at 

Age  at 

Exposure. 

Exposure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

21 

1 

21 

22 

2 

1 

22 

23 

1 

1 

1 

23 

24 

3 

1 

1 

1 

24 

25 

1 

2 

1 

1 

25 

26 

16 

1 

2 

1 

1 

26 

27 

18 

10 

1 

1 

27 

28 

23 

1 

8 

7 

1 

28 

29 

32 

12 

1 

7 

5 

29 

30 

21 

18 

9 

7 

30 

31 

60 

12 

10 

9 

31 

32 

81 

2 

37 

1 

7 

8 

32 

33 

140 

55 

2 

27 

7 

33 

34 

216 

4 

99 

1 

34 

20 

34 

35 

281 

2 

148 

3 

72 

3 

30 

35 

36 

394 

3 

207 

1 

109 

I 

49 

36 

37 

469 

4 

294 

3 

146 

84 

1 

37 

38 

552 

5 

338 

4 

219 

6 

118 

38 

39 

657 

4 

422 

6 

244 

5 

164 

1 

39 

40 

V48 

10 

498 

7 

312 

4 

189 

3 

40 

41 

813 

9 

571 

5 

353 

5 

238 

1 

41 

42 

885 

9 

609 

8 

418 

2 

259 

3 

42 

43 

902 

7 

657 

5 

452 

4 

323 

3 

43 

44 

1,056 

10 

698 

6 

464 

1 

335 

2 

44 

45 

1,012 

12 

812 

12 

493 

7 

328 

5 

45 

46 

921 

12 

767 

14 

603 

8 

364 

5 

46 

47 

922 

9 

690 

4 

564 

7 

459 

8 

47 

48 

905 

8 

721 

9 

508 

4 

438 

8 

48 

49 

834 

11 

692 

8 

521 

7 

397 

6 

49 

50 

823 

8 

622 

6 

516 

4 

401 

3 

50 

51 

731 

9 

622 

5 

453 

3 

370 

5 

51 

52 

718 

6 

559 

7 

463 

6 

342 

6 

52 

53 

701 

6 

550 

13 

397 

4 

350 

1 

53 

54 

644 

3 

545 

5 

403 

8 

302 

2 

54 

55 

582 

7 

482 

8 

394 

5 

301 

8 

55 

29 


TABLE  I.— Continued. 

MALE  LIVES  BY  TEABS  OP  LNSURANCE. 


Age  at 

Thirteenth  Teas. 

FOUBTEENTH  YEAB. 

FlETEENTH  YEAR. 

Sixteenth  Year. 

Age  at 

Exposure. 

Sxpoanre. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed,     j 

Died. 

56 

555 

4 

457 

5 

351 

3 

293 

11 

56 

57 

542 

13 

438 

6 

333 

3 

257 

7 

57 

58 

506 

11 

406 

8 

309 

7 

236 

1 

58 

59 

396 

10 

367 

9 

286 

5 

246 

5 

59 

60 

367 

3 

282 

6 

237 

5 

203 

4 

60 

61 

332 

8 

280 

5 

196 

7 

165 

3 

61 

62 

265 

10 

240 

8 

219 

4 

137 

6 

62 

63 

232 

6 

205 

3 

153 

3 

155 

6 

63 

64 

242 

6 

171 

6 

144 

6 

119 

8 

64 

65 

185 

11 

183 

8 

126 

10 

97 

5 

65 

66 

133 

8 

131 

7 

128 

3 

86 

2 

66 

67 

128 

2 

90 

1 

91 

9 

82 

3 

67 

68 

98 

4 

88 

2 

64 

4 

65 

3 

68 

69 

96 

3 

70 

5 

55 

2 

39 

3 

69 

70 

61 

4 

73 

3 

46 

2 

32 

70 

71 

73 

?, 

43 

1 

53 

3 

25 

3 

71 

72 

61 

3 

51 

2 

30 

2 

35 

1 

72 

73 

27 

1 

41 

2 

35 

2 

17 

73 

74 

10 

17 

4 

29 

25 

74 

75 

13 

1 

8 

8 

20 

75 

76 

13 

3 

9 

7 

2 

8 

76 

77 

4 

8 

7 

1 

5 

77 

78 

3 

2 

4 

5 

1 

5 

78 

79 

3 

1 

3 

1 

4 

79 

80 

2 

2 

2 

80 

81 

2 

1 

2 

1 

81 

82 

1 

I 

1 

82 

83 

1 

1 

83 

84 

1 

1 

84 

85 

85 

Total. 

20,513 

280 

15,428 

237 

11,130 

182 

8,261 

142 

Total, 

30 


TABLE    I.~Continued. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


Seventbbnth  Year. 

Eighteenth  Year. 

Nineteenth  Year. 

Twentieth  Year. 

Age  at 
Exposure. 

Age  at 
Exposure. 

Exposed, 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

26 

I 

26 

27 

1 

I 

27 

28 

1 

1 

28 

29 

1 

1 

1 

29 

30 

5 

1 

I 

30 

31 

7 

5 

1 

31 

32 

8 

7 

4 

1 

32 

33 

6 

6 

6 

4 

33 

34 

6 

6 

6 

1 

6 

34 

35 

17 

1 

6 

5 

5 

35 

36 

24 

16 

5 

5 

36 

37 

38 

23 

16 

5 

37 

38 

69 

81 

21 

12 

1 

38 

39 

103 

I 

61 

30 

1 

20 

39 

40 

145 

1 

94 

1 

52 

25 

40 

41 

166 

1 

131 

I 

81 

1 

47 

41 

42 

211 

2 

158 

2 

120 

2 

71 

42 

43 

232 

1 

192 

4 

136 

2 

108 

43 

44 

285 

5 

210 

2 

171 

122 

2 

44 

45 

302 

2 

253 

2 

175 

2 

155 

1 

45 

46 

297 

2 

265 

2 

225 

5 

165 

1 

46 

47 

322 

6 

268 

1 

225 

3 

197 

1 

47 

48 

404 

7 

298 

2 

246 

2 

195 

48 

49 

374 

5 

363 

2 

258 

4 

219 

2 

49 

50 

335 

4 

337 

7 

334 

6 

231 

1 

50 

51 

361 

9 

308 

3 

288 

5 

302 

3 

51 

52 

326 

11 

334 

2 

278 

6 

262 

4 

52 

53 

302 

7 

292 

5 

298 

8 

249 

2 

53 

54 

313 

12 

273 

5 

250 

2 

264 

2 

54 

55 

271 

4 

271 

3 

230 

6 

233 

2 

55 

56 

263 

5 

238 

8 

234 

2 

201 

2 

56 

57 

244 

6 

244 

7 

212 

4 

213 

4 

57 

58 

216 

7 

212 

2 

215 

5 

190 

6 

58 

59 

205 

7 

194 

I 

184 

3 

186 

1 

59 

60 

210 

4 

178 

2 

168 

3 

163 

3 

60 

31 


TABLE    I.— Continued. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


Sbtentebnth  Year. 

Eighteenth  Year. 

Nineteenth  Yeah. 

Twentieth  Year. 

Age  at 
Exposure. 

Age  at 

Exposure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

61 

178 

7 

186 

3 

157 

2 

152 

4 

61 

62 

136 

4 

151 

2 

155 

4 

144 

6 

62 

63 

116 

3 

123 

5 

136 

3 

139 

5 

63 

64 

131 

2 

102 

2 

no 

5 

124 

4 

64 

65 

92 

4 

117 

1 

88 

3 

94 

6 

65 

66 

85 

6 

83 

4 

97 

3 

79 

1 

66 

67 

67 

3 

73 

2 

70 

2 

83 

4 

67 

68 

70 

3 

58 

1 

64 

60 

4 

68 

69 

55 

2 

64 

3 

48 

1 

54 

3 

69 

70 

36 

48 

1 

53 

3 

40 

70 

71 

26 

1 

34 

3 

42 

1 

45 

2 

71 

72 

19 

2 

22 

1 

27 

1 

38 

2 

72 

73 

30 

17 

15 

1 

26 

1 

73 

74 

16 

27 

1 

17 

2 

13 

74 

75 

22 

2 

16 

24 

3 

15 

2 

75 

76 

18 

2 

18 

13 

1 

21 

4 

76 

77 

8 

2 

15 

2 

12 

2 

10 

1 

77 

78 

5 

6 

2 

11 

10 

1 

78 

79 

5 

5 

I 

4 

1 

8 

1 

79 

80 

4 

4 

1 

4 

3 

80 

81 

2 

1 

4 

1 

2 

4 

81 

82 

1 

3 

1 

2 

82 

83 

1 

1 

1 

2 

1 

83 

84 

1 

1 

84 

85 

1 

85 

86 

1 

86 

87 

1 

87 

88 

88 

89 

89 

90 

90 

Total. 

7,193 

155 

6,452 

100 

5,630 

112 

5,026 

90 

Total. 

32 


TABLE    I— Continued. 

MALE  LIVES  BY  TEARS  OF  INSURANCE. 


TWENTT-FIKST 

Twbntt-Second 

Twenty-Third 

Twenty-Fourth 

Yeae. 

Yeab. 

YEAlt. 

Year. 

Age  at 
Exposure. 

Age  at 
Exposure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

30 

1 

30 

31 

1 

1 

31 

32 

1 

1 

32 

33 

1 

1 

1 

33 

34 

4 

1 

1 

34 

35 

6 

4 

1 

35 

36 

4 

6 

4 

1 

36 

37 

5 

3 

6 

4 

37 

38 

5 

5 

3 

6 

38 

39 

10 

1 

5 

5 

3 

39 

40 

19 

9 

5 

5 

1 

40 

41 

20 

17 

9 

5 

41 

42 

44 

19 

17 

9 

42 

43 

65 

2 

43 

18 

1 

14 

1 

43 

44 

99 

62 

1 

35 

15 

44 

45 

111 

1 

92 

1 

52 

1 

33 

1 

45 

46 

149 

3 

105 

3 

86 

43 

1 

46 

47 

151 

136 

1 

93 

1 

75 

2 

47 

48 

188 

2 

143 

5 

125 

86 

1 

48 

49 

181 

4 

182 

2 

132 

3 

114 

1 

49 

50 

199 

1 

170 

1 

169 

1 

119 

50 

51 

207 

5 

188 

2 

161 

2 

161 

2 

51 

52 

280 

6 

198 

2 

175 

3 

154 

1 

52 

53 

245 

3 

261 

6 

189 

1 

166 

53 

54 

233 

5 

230 

5 

233 

2 

180 

4 

54 

55 

247 

4 

210 

5 

218 

4 

219 

6 

55 

56 

215 

2 

236 

3 

197 

201 

4 

56 

57 

179 

2 

206 

2 

230 

4 

185 

5 

57 

58 

194 

1 

170 

1 

196 

6 

216 

3 

58 

59 

168 

5 

188 

3 

159 

1 

184 

3 

59 

60 

175 

5 

155 

2 

176 

4 

149 

4 

60 

as 


TABLE    I.— Continued. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


Ttventy-First 

Twenty-Second 

Twenty-Third 

Twenty-Fourth 

Age  at 
Exposure. 

Year 

Year 

Yeai 

Yeah 

Age  at 

TCTnnfiiifft 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

AJf  Jk^\/OU4  D« 

61 

151 

4 

166 

8 

145 

5 

168 

2 

61 

62 

141 

I 

142 

4 

151 

3 

137 

3 

62 

63 

127 

5 

132 

5 

132 

3 

142 

5 

63 

64 

123 

3 

120 

4 

122 

4 

120 

6 

64 

65 

111 

7 

113 

7 

111 

5 

115 

8 

65 

66 

79 

3 

95 

2 

104 

7 

100 

7 

66 

67 

72 

2 

70 

4 

89 

6 

92 

2 

67 

68 

70 

4 

68 

2 

65 

2 

79 

8 

68 

69 

52 

2 

63 

2 

62 

4 

59 

2 

69 

70 

49 

1 

48 

4 

59 

1 

56 

2 

70 

71 

34 

44 

1 

43 

2 

65 

4 

71 

72 

40 

4 

33 

3 

43 

4 

41 

3 

72 

73 

34 

34 

2 

28 

1 

37 

1 

73 

74 

24 

2 

32 

4 

31 

1 

26 

3 

74 

75 

13 

1 

22 

4 

26 

2 

30 

4 

75 

76 

12 

11 

16 

24 

2 

76 

77 

14 

2 

10 

1 

11 

16 

2 

77 

78 

9 

3 

12 

1 

7 

11 

2 

78 

79 

8 

1 

6 

10 

3 

7 

79 

80 

7 

7 

1 

5 

1 

6 

80 

81 

3 

7 

6 

4 

2 

81 

82 

4 

3 

7 

1 

6 

2 

82 

83 

2 

1 

4 

3 

6 

1 

83 

84 

1 

1 

1 

4 

1 

3 

84 

85 

1 

1 

1 

3 

2 

85 

86 

1 

86 

87 

1 

87 

88 

1 

1 

1 

88 

Total, 

4,588 

100 

4,290 

104 

3,978 

91 

3,693 

113 

Total. 

u 


TABLE    I.— Continued. 

MALE  LIVES  BY  YEARS  OP  INSURANCE. 


Twenty -Fifth 

Twenty-Sixth 

Twenty-Seventh 

Twenty-Eighth 

Age  at 

Yeab. 

Yeak. 

Yeab. 

Yeak. 

Age  at 

Exposure. 

Sxpoeuie. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

31 

31 

32 

32 

33 

33 

34 

1 

34 

35 

1 

1 

35 

36 

1 

1 

36 

37 

1 

1 

1 

37 

38 

2 

1 

1 

38 

39 

6 

1 

1 

39 

40 

2 

6 

1 

40 

41 

2 

2 

5 

1 

41 

42 

4 

2 

2 

4 

42 

43 

8 

4 

1 

2 

43 

44 

11 

8 

3 

2 

44 

45 

14 

10 

7 

2 

45 

46 

27 

13 

9 

4 

46 

47 

38 

1 

25 

12 

7 

47 

48 

66 

35 

] 

23 

9 

48 

49 

82 

61 

29 

18 

49 

50 

102 

77 

2 

56 

22 

1 

50 

51 

109 

95 

1 

66 

1 

44 

51 

52 

148 

100 

2 

90 

1 

56 

52 

53 

144 

145 

4 

92 

73 

53 

54 

149 

3 

131 

1 

130 

4 

79 

1 

54 

55 

164 

4 

140 

2 

120 

1 

109 

2 

55 

56 

198 

1 

150 

2 

128 

3 

101 

56 

57 

182 

4 

185 

4 

147 

104 

I 

57 

58 

165 

6 

165 

2 

167 

4 

118 

1 

58 

59 

193 

6 

151 

5 

150 

1 

143 

1 

59 

60 

171 

1 

178 

4 

134 

4 

123 

4 

60 

35 


TABLE  I.— Continued. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


TWBNTT-FIFTH 

Twenty-Sixth 

Twenty-Seventh 

Twenty-Eighth 

Age  at 
Exposure. 

Yeab 

Year 

Ykab 

• 

Year 

Age  at 
ExpoBure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

61 

137 

6 

153 

6 

166 

3 

108 

3 

61 

62 

162 

3 

127 

3 

141 

6 

137 

3 

62 

63 

122 

7 

150 

5 

116 

6 

116 

63 

64 

131 

9 

108 

3 

133 

1 

91 

3 

64 

65 

111 

4 

114 

4 

97 

2 

117 

2 

65 

66 

104 

5 

102 

4 

105 

81 

1 

66 

67 

88 

4 

93 

2 

30 

7 

88 

2 

67 

68 

84 

2 

83 

6 

86 

6 

15 

1 

68 

69 

68 

3 

80 

6 

68 

2 

68 

3 

69 

70 

54 

2 

60 

4 

68 

3 

53 

3 

70 

71 

52 

2 

49 

2 

51 

2 

54 

6 

71 

72 

49 

3 

49 

5 

43 

4 

40 

6 

72 

73 

34 

2 

44 

4 

42 

3 

28 

2 

73 

74 

34 

1 

29 

2 

34 

3 

30 

3 

74 

75 

23 

2 

31 

2 

24 

1 

24 

1 

75 

76 

26 

5 

21 

1 

26 

1 

20 

3 

76 

77 

21 

2 

20 

2 

17 

21 

1 

77 

78 

12 

1 

16 

17 

4 

12 

78 

79 

8 

1 

11 

2 

15 

4 

12 

3 

79 

80 

6 

1 

7 

2 

8 

11 

1 

80 

81 

6 

5 

5 

6 

2 

81 

82 

2 

6 

5 

4 

82 

83 

4 

1 

2 

6 

6 

1 

83 

84 

5 

1 

3 

2 

6 

84 

85 

3 

4 

3 

2 

85 

86 

1 

3 

4 

1 

2 

86 

87 

1 

3 

3 

87 

88 

1 

2 

88 

89 

1 

1 

1 

89 

Total, 

3,338 

94 

3,058 

96 

2,752 

78 

2,238 

60 

TotAl. 

86 


TABLE    I.— Continued. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


TWBNTT-NlNTH 

Thirtieth 

Thirty-First 

Thirty-Second 

Age  at 
Exposure. 

Year. 

Year. 

Year. 

Year. 

Age  at 

Exposure. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

36 

36 

37 

37 

38 

38 

39 

1 

39 

40 

40 

41 

41 

42 

1 

42 

43 

2 

1 

43 

44 

44 

45 

45 

46 

1 

46 

47 

2 

47 

48 

4 

2 

48 

49 

4 

1 

49 

50 

14 

1 

2 

50 

51 

14 

1 

5 

51 

52 

26 

4 

3 

52 

53 

44 

1 

17 

3 

53 

54 

47 

15 

4 

1 

54 

55 

56 

1 

21 

6 

55 

56 

68 

1 

26 

6 

1 

56 

57 

68 

26 

1 

10 

1 

1 

57 

58 

65 

26 

1 

7 

1 

58 

59 

79 

1 

29 

3 

11 

1 

59 

60 

91 

3 

37 

5 

60 

61 

77 

3 

32 

] 

12 

1 

61 

62 

63 

1 

29 

7 

1 

62 

63 

103 

2 

29 

1 

5 

63 

64 

77 

1 

44 

1 

8 

64 

65 

56 

1 

32 

15 

2 

2 

65 

37 


TABLE    I.— Contimied. 

MALE  LIVES  BY  YEARS  OF  INSURANCE. 


Age  at 

Twenty-Ninth 
Ybar. 

Thiktieth 
Year. 

Thibtt-First 
Year. 

Thirty  Second 
Year. 

Age  at 

Exposure. 

Exposure 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

Exposed. 

Died. 

66 

81 

2 

20 

1 

11 

1 

66 

67 

53 

2 

35 

1 

10 

67 

68 

56 

3 

15 

2 

10 

1 

1 

68 

69 

41 

1 

14 

1 

5 

69 

70 

48 

3 

15 

4 

70 

71 

27 

15 

1 

4 

1 

71 

72 

29 

14 

1 

3 

1 

72 

73 

21 

2 

16 

3 

5 

1 

73 

74 

13 

8 

5 

74 

75 

18 

4 

8 

2 

3 

1 

1 

75 

76 

12 

1 

7 

3 

76 

77 

10 

2 

5 

3 

77 

78 

10 

2 

3 

2 

1 

78 

79 

8 

1 

3 

1 

79 

80 

5 

2 

80 

81 

7 

1 

1 

81 

82 

1 

4 

1 

1 

82 

83 

2 

1 

3 

2 

83 

84 

3 

1 

1 

1 

84 

85 

2 

1 

1 

85 

86 

1 

2 

86 

87 

2 

2 

87 

88 

3 

1 

88 

89 

2 

89 

90 

1 

1 

1 

1 

90 

Total, 

1,419 

49 

566 

23 

175 

9 

14 

1 

Total. 

88 


TABLE    II.    (a) 
MALE  LIVES  BY  GROUPS  OF  AGES  AND  OF  TEARS  OF  INSURANCE. 


Ages  at 
Exposure. 

Years  of 
Insurance. 

Exposed. 

Died. 

Probable  Deaths, 
American  Table. 

Ratio  of 

Actual 

to  Probable. 

7-20 

1-5 

4,445 

50 

34.42 

1.453 

6-10 

255 

1 

1.98 

.505 

11-15 

6 

.05 

21-30 

1-5 

84,929 

571 

695.89 

.821 

6-10 

16,003 

142 

132.30 

1.073 

11-15 

1,011 

14 

8.39 

1.669 

16-20 

31 

.26 

21-25 

1 

.01 

31-40 

1-5 

149,006 

1,041 

1,349.93 

.771 

6-10 

82,180 

667 

751.89 

.887 

11-15 

21,218 

202 

197.22 

1.024 

16-20 

1,585 

12 

15.00 

.800 

21-25 

150 

2 

1.41 

1.418 

26-32 

17 

.17 

41-50 

1-5 

96,770 

841 

1,096.32 

.767 

6-10 

85,488 

839 

976.24 

.859 

11-15 

46,312 

493 

534.51 

.922 

16-20 

12,426 

139 

147.49 

.942 

21-25 

3,779 

42 

46.61 

.901 

26-32 

488 

6 

6.24 

.962 

51-60 

1-5 

34,036 

523 

622.07 

.841 

6-10 

42,140 

751 

783.49 

.959 

11-15 

29,308 

413 

554.37 

.745 

16-20 

12,775 

233 

244.04 

.955 

21-25 

9,557 

153 

188.06 

.814 

26-32 

4,438 

70 

91.92 

.762 

61-70 

1-5 

4,547 

107 

157.05 

.681 

6-10 

9,913 

299 

372.10 

.804 

11-15 

8,877 

302 

343.95 

.878 

16-20 

4,895 

160 

191.59 

.835 

21-25 

5,161 

204 

205.98 

.990 

26-32 

4,086 

131 

166.71 

.786 

71-80 

1-5 

39 

2 

3.00 

.667 

6-10 

296 

16 

22.87 

.700 

11-15 

894 

52 

71.17 

.731 

16-20 

821 

50 

72.02 

.694 

21-25 

1,144 

85 

100.45 

.846 

26-32 

1,071 

92 

95.89 

.959 

81-90 

11-15 

9 

3 

1.54 

1.948 

16-20 

29 

5 

5.31 

.942 

21-25 

95 

16 

18.37 

.871 

26-32 

122 

17 

27.01 

.629 

39 


TABLE    II.    (b) 

MALE  LIVES  BY  YEAK8  OF  INSURANCE. 


Years  of 
Insurance. 

Exposed. 

Died. 

Probable  Deaths, 
American  Table. 

Ratio  of 

Actual 

to  Probable. 

Years  of 
Insurance. 

1 

97,790 

730 

976.26 

.748 

1 

2 

80,008 

653 

825.13 

.791 

2 

3 

71,305 

579 

759.36 

.763 

3 

4 

65,065 

603 

716.85 

.841 

4 

5 

59,604 

570 

681.06 

.837 

5 

1-5 

373,772 

3,135 

3,958.66 

.792 

1-5 

6 

55,403 

617 

658.18 

.937 

6 

7 

61,588 

560 

638.10 

.878 

7 

8 

47,278 

533 

610.70 

.873 

8 

9 

42,998 

534 

581.87 

.918 

9 

10 

39,008 

471 

551.98 

.853 

10 

6-10 

236,275 

2,715 

3,040.83 

.893 

6-10 

11 

33,443 

422 

494.84 

.853 

11 

12 

27,121 

358 

419.60 

.853 

12 

13 

20,513 

280 

333.25 

.840 

13 

14 

15,428 

237 

263.53 

.899 

14 

15 

11,130 

182 

199.97 

.910 

15 

11-15 

107,635 

1,479 

1,711.19 

.864 

11-15 

16 

8,261 

142 

154.31 

.920 

16 

17 

7,193 

155 

142.49 

1.088 

17 

18 

6,452 

100 

135.53 

.738 

18 

19 

5,630 

112 

124.81 

.897 

19 

20 

5,026 

90 

118.55 

.759 

20 

16-20 

32,562 

599 

675.69 

.887 

16-20 

21 

4,588 

100 

114.66 

.872 

21 

22 

4,290 

104 

113.54 

.916 

22 

23 

3,978 

91 

112.60 

.808 

23 

24 

3,693 

113 

112.02 

1.009 

24 

25 

3,338 

94 

108.02 

.870 

25 

21-25 

19,887 

502 

560.84 

.895 

21-25 

26 

3,058 

96 

105.56 

.909 

26 

27 

2,752 

78 

101.64 

.767 

27 

28 

2,238 

60 

88.51 

.678 

28 

29 

1,419 

49 

59.02 

.830 

29 

30 

566 

23 

24.38 

.943 

30 

31 

175 

9 

8.19 

1.099 

31 

32 

14 

1 

.62 

1.613 

32 

26-32 

10,222 

316 

387.92 

.815 

26-32 

All, 

780,353 

8,746 

10,335.13 

.846 

All. 

40 

TABLE     III. 
MALE  LIVES. 


Pbobablx  Deaths  bt 

Age  at 

Exposed. 

Ratio  ol 

Age  at 

Exposvm 

Died. 

Died  to 

Exposure 

Exposed. 

American 
Table. 

Thirty 

American 

Offices. 

Combined 
Experience. 

H".  Table. 

7-10 

15 

.112 

.097 

.101 

.074 

7-10 

11 

12 

.090 

.078 

.081 

.048 

11 

12 

21 

.158 

.137 

.143 

.070 

12 

13 

38 

1 

.02632 

.288 

.248 

.261 

.111 

13 

14 

107 

1 

.00935 

.813 

.703 

.738 

.296 

14 

15 

189 

1 

.00529 

1.443 

1.246 

1.312 

.543 

15 

16 

289 

2 

.00692 

2.214 

1.911 

2.024 

.938 

16 

17 

477 

6 

.01258 

3.667 

3.171 

3.369 

1.852 

17 

18 

700 

5 

.00714 

5.408 

4.678 

4.994 

3.354 

18 

19 

1,105 

18 

.01629 

8.580 

7.422 

7.963 

6.348 

19 

20 

1,753 

17 

.00970 

13.680 

11.856 

12,781 

11.095 

20 

21 

2,852 

25 

.00877 

22.402 

19.416 

21.039 

19.180 

21 

22 

4,092 

31 

.00758 

32.351 

28.055 

30.543 

28.006 

22 

23 

5,534 

44 

.00795 

44.040 

38.245 

41.859 

37.432 

23 

24 

7,144 

53 

.00742 

57.231 

49.815 

54.766 

47.429 

24 

25 

8,95G 

67 

.00748 

72.221 

62.979 

69.588 

59.378 

25 

26 

10,745 

75 

.00698 

87.357 

76.451 

84.746 

71.830 

26 

27 

12,722 

94 

.00739 

104.270 

91.471 

101.852 

87.833 

27 

28 

14,686 

97 

.00660 

121,365 

106.841 

119.529 

105.328 

28 

29 

16,662 

132 

.00792 

139.028 

123.049 

137.878 

123.849 

29 

30 

18,582 

109 

.00587 

156.572 

139.086 

156.553 

143.509 

30 

31 

20,169 

127 

.00630 

171.638 

153.325 

173.010 

159.678 

31 

32 

21,813 

156 

.00715 

187.744 

168.549 

190.798 

176.794 

32 

33 

23,443 

176 

.00751 

204.353 

184.520 

209.088 

194.225 

33 

34 

24,752 

177 

.00715 

218.560 

198.684 

225.119 

210.491 

34 

35 

25,904 

194 

.00749 

231.737 

212.724 

240.596 

227.282 

35 

36 

26,717 

189 

.00707 

242.804 

224.156 

253.411 

243.365 

36 

37 

27,373 

202 

.00738 

252.762 

235.161 

265.162 

259.058 

37 

38 

27,805 

208 

.00748 

261.589 

245.407 

275.436 

271.933 

38 

39 

28,035 

244 

.00870 

268.744 

254.474 

284.023 

282.649 

39 

40 

28,145 

251 

.00892 

275.652 

263.437 

291.638 

290.062 

40 

41 

27,884 

209 

.00750 

279.063 

268.997 

295.905 

292.420 

41 

42 

27,565 

249 

.00903 

282.596 

275.595 

300.293 

295.883 

42 

43 

26,919 

265 

.00984 

283.107 

278.639 

302.866 

299.528 

43 

44 

26,174 

224 

.00856 

283.438 

281.658 

306.157 

302.467 

44 

45 

25,292 

239 

.00945 

282.335 

283.346 

308.866 

308.360 

45 

46 

24,460 

258 

.01055 

282.807 

285.888 

314.042 

316.512 

46 

47 

23,402 

245 

.01047 

280.824 

286.136 

316.301 

320.654 

47 

48 

22,409 

243 

.01084 

280.314 

287.149 

319.552 

323.586 

48 

49 

21,175 

215 

.01015 

277.520 

284.994 

318.917 

322.284 

49 

50 

19,983 

213 

,01066 

275.386 

283.259 

318.489 

318.729 

50 

41 


TABLE    111.— Continued. 

MALE  LIVES. 


Age  at 
Exposure 

Exposed. 

Died. 

Katio  of 
Died  to 

Pkobable  Deaths  bt 

Age  at 
Exposure 

Exposed. 

American 
Table. 

Tiiirty 

American 

Offices. 

Combined 
Experience. 

H".  Table. 

51 

18,596 

255 

.01371 

270.404 

278.103 

314.235 

309.995 

51 

52 

17,545 

231 

.01317 

270.000 

277.457 

314.880 

307.897 

52 

53 

16,287 

230 

.01412 

266.016 

272.840 

310.968 

302.938 

53 

54 

15,039 

229 

.01523 

261.618 

267.378 

305.487 

296.780 

54 

55 

13,713 

226 

.01648 

254.664 

259.587 

297.078 

288.426 

55 

56 

12,507 

205 

.01639 

248.702 

252.291 

289.237 

280.820 

56 

57 

11,381 

202 

.01775 

242.814 

245.374 

280.872 

273.030 

57 

58 

10,143 

190 

.01873 

232.640 

233.898 

267.633 

259.925 

58 

59 

9,057 

190 

.02090 

223.889 

223.771 

255.824 

249.421 

59 

60 

7,986 

185 

.02317 

213.170 

211.845 

242.263 

237.009 

60 

61 

6,984 

175 

.02506 

201.698 

199.247 

227.762 

223.753 

61 

62 

6,040 

150 

.02483 

189.004 

185.428 

212.131 

209.201 

62 

63 

5,251 

148 

.02819 

178.235 

173.850 

198.698 

196.860 

63 

64 

4,534 

157 

.03463 

167.182 

162.045 

185.105 

183.219 

64 

65 

3,825 

140 

.03660 

153.493 

147.798 

168.614 

166.124 

65 

66 

3,165 

115 

.03633 

138.333 

132.262 

150.698 

147.391 

66 

67 

2,584 

98 

.03793 

123.120 

117.009 

133.009 

128.913 

67 

68 

2,095 

88 

.04200 

108.944 

102.745 

116.545 

111.525 

68 

69 

1,665 

75 

.04505 

94.509 

88.648 

100.045 

95.471 

69 

70 

1,336 

57 

.04266 

82.823 

77.191 

86.750 

83.089 

70 

71 

1,035 

52 

.05024 

70.033 

64.972 

72.614 

70.432 

71 

72 

812 

54 

.06650 

59.871 

55.391 

61.554 

60.851 

72 

73 

621 

3] 

.04992 

49.791 

46.047 

50.850 

51.456 

73 

74 

487 

28 

.05749 

42.383 

39.305 

43.084 

44.412 

74 

75 

391 

34 

.08696 

36.899 

34.327 

37.364 

38.459 

75 

76 

308 

28 

.09091 

31.512 

29.415 

31.779 

32.763 

76 

77 

232 

20 

.08621 

25.767 

24.127 

25.861 

26.607 

77 

78 

170 

21 

.12353 

20.541 

19.241 

20.475 

20.946 

78 

79 

125 

20 

.16000 

16.467 

15.398 

16.258 

16.632 

79 

80 

84 

9 

.10714 

12.135 

11.262 

11.794 

12.151 

80 

81 

67 

9 

.13433 

10.626 

9.771 

10.146 

10.588 

81 

82 

52 

5 

.09615 

9.063 

8.253 

8.486 

8.910 

82 

83 

43 

9 

.20930 

8.237 

7.416 

7.564 

7.992 

83 

84 

32 

6 

.18750 

6.763 

6.001 

6.070 

6.364 

84 

85 

21 

4 

.19048 

4.947 

4.276 

4.307 

4.408 

85 

86 

15 

1 

.06667 

3.985 

3.313 

3.337 

3.295 

86 

87 

11 

2 

.18182 

3.333 

2.639 

2.665 

2.544 

87 

88 

8 

2 

.25000 

2.774 

2.076 

2.122 

1.914 

88 

89 

4 

1 

.25000 

1.583 

1.170 

1.170 

1.013 

89 

90 

2 

2 

1.00000 

.909 

.656 

.647 

.559 

90 

Total. 

Total, 

780,353 

8,746 

01121 

10,335.140 

10,016.866 

11,237  770 

10,938.546 

42 


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43 


TABLE    Y. 

MALE  LIVES  INSURED  UNDER  PREMIUM  PAYING  LIFE  AND  ENDOWMENT 

POLICIES. 


Ages  at 
Exposure. 

Exposed. 

Died. 

Ratio  of 
Died  to 
Exposed. 

Probable  Deaths, 
American  Table. 

Katio  of 

Actual 

toITobable. 

Ages  at 
Exposure. 

7-20 

4,246 

38 

.00895 

32.88 

1.156 

7-20 

21-25 

25,682 

177 

•00689 

205.13 

.863 

21-25 

26-30 

67,150 

454 

.00676 

556.80 

.815 

26-30 

31-35 

106,379 

750 

.00705 

929.27 

.807 

31-35 

36-40 

126,165 

1,010 

.00801 

1,189.26 

.849 

36-40 

41-45 

122,026 

1,074 

.00880 

1,286.15 

.835 

41-45 

46-50 

102,006 

1,058 

.01037 

1,278.88 

.827 

46-50 

51-55 

74,515 

1,084 

.01455 

1,214.01 

.893 

51-55 

56-60 

46,908 

900 

.01919 

1,066.91 

.844 

56-60 

61-65 

24,643 

730 

.02962 

822.97 

.887 

61-65 

66-70 

10,007 

407 

.04067 

505.66 

.805 

66-70 

71-75 

3,194 

190 

.05949 

247.56 

.767 

71-75 

76-80 

906 

97 

.10706 

104.92 

.925 

76-80 

81-85 

210 

32 

.15238 

38.78 

.825 

81-85 

86-90 

40 

8 

.20000 

12.58 

.636 

86-90 

All, 

714,077 

8,009 

.01122 

9,491.76 

.844 

AU. 

44 


TABLE    VI. 

MALE  LIVES  INSURED  UNDER  PAID-UP  POLICIES  ISSUED  IN  LIEU  OF 
POLICIES  SURRENDERED. 


AgeB  at 
Exposure. 

Exposed. 

Died. 

Ratio  of 
Died  to 
Exposed. 

Probable  Deaths, 
American  Table. 

Ratio  of 

Actual 

to  ITobable. 

Ages  at 
Exposure. 

7-20 

122 

.95 

7-20 

21-25 

1,005 

7 

.00697 

8.04 

.871 

21-25 

26-30 

3,959 

30 

■00758 

32.86 

.913 

26-30 

31-35 

7,898 

54 

.00684 

69.06 

.782 

31-35 

36-40 

10,687 

75 

.00702 

100.81 

.744 

36-40 

41-45 

10,912 

95 

.00871 

114.98 

.826 

41-45 

46-50 

8,902 

110 

.01236 

111.57 

.986 

46-50 

51-55 

6,567 

84 

.01279 

107.23 

.783 

51-55 

56-60 

4,284 

76 

.01774 

97.21 

.782 

56-60 

61-65 

2,122 

47 

.02215 

70.99 

.662 

61-65 

66-70 

876 

29 

.03311 

44.08 

.658 

66-70 

71-75 

159 

9 

.05660 

11.89 

.757 

71-75 

76-80 

15 

.1 

.06667 

1.77 

.565 

76-80 

81-85 

4 

1 

.25000 

.67 

1.493 

81-85 

86-90 

86-90 

All, 

57,512 

618 

.01075 

772.11 

.800 

All. 

45 


TABLE    VII. 


MALE  LIVES  ICTSURED  UNDER  TERM  POLICIES. 


Ages  at 
Exposure. 

Exposed. 

Died. 

Ratio  of 
Died  to 
Exposed. 

Probable  Deaths, 
American  Table. 

Ratio  of 

Actual 

to  Probable. 

Ages  at 
Exposure. 

7-20 

335 

13 

.03881 

2.60 

5.000 

7-20 

21-25 

1,903 

37 

.01944 

15.17 

2.439 

21-25 

26-30 

2,303 

28 

■01216 

19.05 

1.470 

26-30 

31-35 

2,055 

32 

.01557 

17.91 

1.787 

31-35 

36-40 

1,715 

21 

.01224 

16.13 

1.302 

36-40 

41-45 

1,217 

22 

.01808 

12.79 

1.720 

41-45 

46-50 

880 

18 

.02045 

11.01 

1.635 

46-50 

51-55 

515 

11 

.02136 

8.30 

1.325 

51-55 

56-60 

170 

4 

.02353 

3.78 

1.058 

56-60 

61-65 

24 

2 

.08333 

.75 

2.667 

61-65 

66-70 

4 

.22 

66-70 

71-75 

71-75 

76-80 

76-80 

81-85 

81-85 

86-90 

86-90 

All, 

11,121 

188 

.01690 

107.71 

1.745 

AU. 

46 


TABLE    VIII.    (a) 


MALE  LIVES  INSURED   UNDER   PREMIUM    PAYING  LIFE  AND   ENDOWMENT 
POLICIES,  ARRANGED  BY  GROUPS  OF  AGES  AND  OF  YEARS  OF  INSURANCE. 


Ages  at 
Exposure. 

Years  of 
Insurance. 

Exposed. 

Died. 

Probable  Deaths, 
American  Table. 

Ratio  ol' 

Actual 

to  Probable. 

7-20 

1-5 

4,033 

37 

31.23 

1.185 

6-10 

208 

1 

1.60 

.625 

11-15 

5 

.04 

21-30 

1-5 

79,003 

501 

647.56 

.774 

6-10 

12,988 

118 

107.41 

1.099 

11-15 

810 

12 

6.72 

1.786 

16-20 

30 

.26 

21-25 

1 

.01 

31-40 

1-5 

142,755 

981 

1,293.45 

.758 

6-10 

70,223 

584 

642.78 

.909 

11-15 

17,913 

181 

166.66 

1.086 

16-20 

L493 

12 

14.15 

.848 

21-25 

145 

2 

1.36 

1.471 

26-32 

15 

.15 

41-50 

1-5 

93,062 

794 

1,054.46 

.753 

6-10 

74,275 

731 

848.56 

.861 

11-15 

40,388 

421 

466.32 

.903 

16-20 

12,136 

138 

144.10 

.958 

21-25 

3,696 

42 

45.55 

.922 

26-32 

475 

6 

6.06 

.990 

51-60 

1-5 

32,861 

503 

600.58 

.838 

6-10 

36,712 

676 

682.55 

.990 

11-15 

25,595 

359 

483.77 

.742 

16-20 

12,482 

227 

238.26 

.953 

21-25 

9,450 

151 

186.12 

.811 

26-32 

4,323 

68 

89.63 

.759 

61-70 

1-5 

4,355 

101 

150.17 

.673 

6-10 

8,603 

280 

322.34 

.869 

11-15 

7,786 

268 

301.37 

.889 

16-20 

4,800 

156 

187.89 

.830 

21-25 

5,086 

205 

203.06 

1.010 

26-32 

4,020 

127 

163.78 

.775 

71-80 

1-5 

39 

2 

3.00 

.667 

6-10 

273 

15 

21.07 

.712 

11-15 

804 

49 

64.48 

.760 

16-20 

820 

49 

72.04 

.680 

21-25 

1,129 

85 

99.29 

.856 

26-32 

1,035 

87 

92.60 

.940 

81-90 

11-15 

9 

3 

1.54 

1.948 

16-20 

29 

5 

5.31 

.942 

21-25 

92 

15 

17.85 

.840 

26-32 

120 

17 

26.67 

.637 

47 

TABLE    VIII.    (b) 

MALE  LIVES  INSURED  UNDER  PREMIUM  PAYING  LIFE  AND  ENDOWMENT 
POLICIES,  BY  YEARS  OF  INSURANCE. 


Years  of 
Insurance. 

Exposed. 

Died. 

Probable  Deaths, 
American  Table. 

Katio  of 

Actual 

to  Probable. 

Years  of 
Insurance. 

1 

95,060 

640 

952.21 

.672 

1 

2 

78,402 

624 

810.66 

.770 

2 

3 

68,300 

558 

729.97 

.764 

3 

4 

60,547 

569 

669.95 

.849 

4 

5 

53,799 

528 

617.69 

.855 

5 

1-5 

356,108 

2,919 

3,780.48 

.772 

1-5 

6 

48,864 

560 

583.48 

.960 

6 

7 

44,735 

487 

556.11 

.876 

7 

8 

40,610 

483 

526.74 

.917 

8 

9 

36,397 

467 

495.05 

.943 

9 

10 

32,676 

408 

464.93 

.878 

10 

6-10 

203,282 

2,405 

2,626.31 

.916 

6-10 

11 

28,095 

358 

417.89 

.857 

11 

12 

23,029 

300 

358.15 

.838 

12 

13 

17,835 

246 

290.33 

.847 

13 

14 

13,894 

218 

237.22 

.919 

14 

15 

10,457 

171 

187.32 

.913 

15 

11-15 

93,310 

1,293 

1,490.91 

.867 

11-15 

16 

8,004 

139 

149.80 

.928 

16 

17 

7,003 

150 

139.12 

1.078 

17 

18 

6,304 

100 

132.85 

.753 

18 

19 

5,527 

110 

123.13 

.893 

19 

20 

4,952 

88 

117.12 

.751 

20 

16-20 

31,790 

587 

662.02 

.887 

16-20 

21 

4,528 

99 

11.3.56 

.872 

21 

22 

4,228 

102 

112.04 

.910 

22 

23 

3,926 

91 

111.25 

.818 

23 

24 

3,637 

112 

110.35 

I.0I5 

24 

25 

3,280 

96 

106.03 

.905 

25 

21-25 

19,599 

500 

553.23 

.904 

21-25 

26 

3,000 

93 

103.47 

.899 

26 

27 

2,694 

75 

99.42 

.754 

27 

28 

2,189 

56 

86.51 

.647 

28 

29 

1,378 

48 

57.44 

.836 

29 

30 

547 

23 

23.61 

.974 

30 

31 

167 

9 

7.89 

1.141 

31 

32 

13 

1 

.53 

1.887 

32 

26-32 

9,988 

305 

378.87 

.805 

26-32 

All, 

714,077 

8,009 

9,491.82 

.844 

All. 

48 


TABLE    IX.    (a) 

MALE  LIVES  INSURED  UNDER  PAID  UP  POLICIES  ISSUED   IN  LIEU  OP  POLICIES 

SURRENDERED,  ARRANGED  BY  GROUPS  OF  AGES  AND 

OP  YEARS  OP  INSURANCE. 


Ages  at 
Exposure. 

Years  of 
Insurance. 

Exposed. 

Died. 

Probable  Deaths, 
American  Table. 

Ratio  of 

Actual 

to  Probable. 

14-20 

1-5 

122 

.94 

21-30 

1-5 

4,463 

34 

36.75 

.925 

6-10 

493 

3 

4.08 

.735 

11-19 

8 

.07 

31-40 

1-5 

14,411 

104 

131.43 

.791 

6-10 

4,003 

23 

36.84 

.624 

11-19 

171 

2 

1.59 

1.258 

41-50 

1-5 

13875 

151 

158.63 

.952 

6-10 

5,578 

52 

63.73 

.816 

11-19 

361 

2 

4.18 

.478 

51-60 

1-5 

7,630 

112 

143.44 

.781 

6-10 

3,014 

48 

57.11 

.840 

11-19 

207 

3.88 

61-70 

1-5 

2,017 

55 

77.33 

.711 

6-10 

901 

21 

34.44 

.610 

11-19 

80 

3.29 

71-82 

1-5 

95 

9 

7.68 

1.172 

6-10 

68 

2 

5.06 

.395 

11-19 

15 

1.58 

49 


TABLE    IX.    (b) 

MALE  LIVES  INSURED  UNDER  PAID-UP  POLICIES  ISSUED  IN  LIEU  OF  POLICIES 
SURRENDERED,  BY  YEARS  OP  INSURANCE. 


Years  of 
Insurance. 

Exposed, 

Died. 

Probable  Deaths, 
American  Table. 

Ratio  of 

Actual 

to  Probable. 

Years  of 
Insurance. 

1 

2 

3 
4 
5 

1-5 

6 

7 

8 

9 

10 

6-10 

11-19 

11,762 
9,780 
8,353 
7,026 
5,692 

42,613 

4,530 
3,466 
2,792 
2,036 
1,233 

14,057 

842 

123 

102 

90 

91 

59 

465 

55 
41 
23 
14 
16 

149 

4 

148.66 

125.46 

109.73 

94.43 

77.94 

556.22 

62.92 
48.99 
40.50 
30.22 
18.65 

201.28 

14.58 

.827 

.813 
.820 
.964 

.757 

.836 

.874 
.837 
.568 
.463 
.858 

.740 

.274 

1 

2 
3 
4 
5 

1-5 

6 
7 
8 
9 
10 

6-10 

11-19 

All, 

57,512 

618 

772.08 

.800 

All. 

50 


TABLE    X. 

MALE  LIVES  INSURED  UNDER  TERM  POLICIES,  ARRANGED  BY  GROUPS  OF  AGES 

AND  OF  YEARS  OF  INSURANCE. 


Ages  at 
Exposure. 

Tears  of 
Insurance. 

Exposed. 

Died. 

Probable  Deaths, 
American  Table. 

Ratio  of 

Actual 
to  Probable. 

7-20 
21-30 
31-40 
41-50 
51-70 

1-5 
6-14 

1-5 
6-14 

1-5 
6-14 

1-5 
6-14 

1-5 
6-14 

331 
4 

3,942 
264 

3,272 
498 

1,771 
326 

566 
147 

13 

63 
2 

47 
« 

36 
4 

14 
3 

2.58 
.03 

32.05 
2.18 

29.53 
4.52 

20.12 
3.68 

10.28 
2.77 

5.039 

1.966 
.917 

1.592 
1.327 

1.789 
1.087 

1.362 
1.083 

All  Ages 
Combined. 

1 
2 
3 
4 
5 

1-5 

6-14 

3,841 
2,365 
1,602 
1,170 
904 

9,882 

1,239 

96 
33 
16 
18 
10 

173 

15 

35.48 
22.40 
15.59 
11.77 
9.29 

94.53 

13.18 

2.706 
1.473 
1.026 
1.529 
1.076 

1.830 

L138 

All, 

All, 

11,121 

188 

107.71 

1.745 

61 

TABLE    XI. 
MALE  LIVES  CLASSIFIED  BY  PLACE  OF  BIRTH. 


A. 

NATIVES  OF  THE  UNITED  STATES. 

Ages  at 

Exposed. 

Died. 

Probable  Deaths, 

Ratio  of  Actual 

Ages  at 

Exposure. 

American  Table. 

to  Probable. 

Exposure. 

7-20 

4,310 

47 

33.38 

1.408 

7-20 

21-30 

85,935 

609 

704.95 

.864 

21-30 

31-40 

204,816 

1,553 

1,865.24 

.833 

31-40 

41-50 

196,539 

1,814 

2,251.89 

.806 

41-50 

51-60 

111,362 

1,730 

2,098.68 

.825 

51-60 

61-70 

33,136 

1,039 

1,274.41 

.815 

61-70 

71-80 

3,919 

271 

336.27 

.806 

71-80 

81-90 

245 

40 

50.16 

.797 

81-90 

All, 

640,262 

7,103 

8,614.47 

.825 

All. 

I 

1.     NATIVES  OF  BRITISH  AMERICA 

7-20 

189 

1 

1.46 

.685 

7-20 

21-30 

4,893 

48 

40.09 

1.197 

21-30 

31-40 

7,994 

52 

72.41 

.718 

31-40 

41-50 

5,016 

55 

56.68 

.970 

41-50 

51-60 

1,671 

21 

30.27 

.694 

51-60 

61-70 

343 

8 

13.27 

.603 

61-70 

71-80 

29 

2 

2.40 

.833 

71-80 

All, 

20,135 

187 

216.58 

.863 

All. 

C. 

NATIVES  OF  ENGLAND  AND  WAi.l 

3S. 

7-20 

57 

.44 

7-20 

21-30 

2,276 

15 

18.72 

.801 

21-30 

31-40 

7,975 

62 

72.95 

.850 

31-40 

41-50 

9,606 

96 

110.37 

.870 

41-50 

51-60 

5,152 

92 

96.13 

.957 

51-60 

61-70 

1,269 

41 

48.41 

.847 

61-70 

71-80 

142 

12 

12.12 

.990 

71-80 

81-90 

3 

1 

.52 

1.923 

81-90 

All, 

26,480 

319 

359.65 

.887 

AU. 

52 


TABLE    XI.— Continued. 

MALE  LIVES  CLASSIFIED  BY  PLACE  OP  BIRTH. 


D.     NATIVES  OP  SCOTLAND. 

Ages  at 

Exposed. 

Died. 

Probable  Deaths, 

Ratio  of  Actual 

Ages  at 

Expoeure. 

American  Table. 

to  Probable. 

Exposure, 

7-20 

23 

.18 

7-20 

21-30 

861 

5 

7.08 

.706 

21-30 

31-40 

2,702 

19 

24.71 

.769 

31-40 

41-50 

2,992 

34 

34.10 

.997 

41-50 

51-60 

1,468 

23 

27.57 

.834 

51-60 

61-70 

376 

16 

14.22 

1.125 

61-70 

71-80 

34 

3 

2.77 

1.083 

71-80 

All, 

8,456 

100 

110.63 

.904 

All. 

E.    NATIVES  OP  THE  GERMAN  AND  AUSTRIAN  EMPIRES,  BELGIUM  AND  HOLLAND. 

7-20 

100 

1 

.78 

1.282 

7-20 

21-30 

5,343 

28 

44.04 

.636 

21-30 

31-40 

21,369 

147 

195.31 

.753 

31-40 

41-50 

21,760 

241 

247.79 

.973 

41-50 

51-60 

8,171 

184 

148.79 

1.237 

51-60 

61-70 

1,203 

56 

43.65 

1.283 

61-70 

71-80 

44 

2 

3.48 

.575 

71-80 

All, 

57,990 

659 

683.84 

.964 

All. 

p.     NATIVES  OP  PRANCE  AND  SWITZERLAND. 

7-20 

3 

.02 

7-20 

21-30 

308 

4 

2.54 

1.575 

21-30 

31-40 

1,506 

18 

13.77 

1.307 

31-40 

41-50 

1,499 

15 

17.06 

.879 

41-50 

51-60 

624 

12 

11.54 

1.040 

51-60 

61-70 

136 

2 

5.01 

.399 

61-70 

71-80 

11 

2 

1.01 

1.980 

71-80 

All, 

4,087 

53 

50.95 

1.040 

All. 

53 


TABLE    XI.— Continued. 

MALE  LIVES  CLASSIFIED  BY  PLACE  OP  BIRTH. 


G.     NATIVES  OP  NORWAY,  SWEDEN,  HUSSIA  AND  DENMARK. 

Ages  at 

Exposed. 

Died. 

Probable  Deaths, 

Ratio  of  Actual 

Ages  at 

Exposure. 

American  Table. 

to  Probable. 

Exposure. 

7-20 

3 

.02 

7-20 

21-30 

279 

2 

2.30 

.870 

21-30 

31-40 

782 

8 

7.13 

1.122 

31-40 

41-50 

714 

9 

8.07 

1.115 

41-50 

51-60 

256 

6 

4.61 

1.302 

51-60 

61-70 

30 

1.09 

61-70 

All, 

2,064 

25 

23.23 

1.076 

All. 

H.    NATIVES  OF  IRELAND. 

7-20 

16 

2 

.12 

16.067 

7-20 

21-30 

1,709 

14 

14.07 

.995 

21-30 

31-40 

6,064 

61 

55.42 

1.101 

31-40 

41-50 

6,363 

84 

72.63 

1.157 

41-50 

51-60 

3,241 

69 

61.19 

1.128 

51-60 

61-70 

900 

35 

33.93 

1.032 

61-70 

71-80 

85 

5 

7.28 

.687 

71-80 

81-90 

7 

1.54 

81-90 

All, 

18,385 

270 

246.18 

1.097 

AU. 

L    NATIVES  OF  OTHER  COUNTRIES. 

7-20 

5 

.04 

7-20 

21-30 

371 

2 

3.05 

.656 

21-30 

31-40 

948 

4 

8.65 

.462 

31-40 

41-50 

774 

12 

8.81 

1.362 

41-50 

51-60 

309 

6 

5.65 

1.062 

51-60 

61-70 

86 

6 

3.34 

1.796 

61-70 

71-80 

1 

.07 

71-80 

All, 

2,494 

30 

29.61 

1.013 

All. 

54 
TABLE    XII. 

CLASSIFICATION  BY  OCCUPATION. 


1.  Traveling  Agents,  Commercial  Travelers,  etc. 

2.  Lumbermen,  and  Proprietors,  Superintendents  and  "Workmen  in  Saw  Mills  and 

Planing  Mills. 

3.  Dentists. 

4.  Professors  and  Teachers,  including  Music  Teachers. 

5.  Hatters. 

6.  Liverymen  and  Stage  Proprietors. 

7.  Clergymen,  Missionaries  and  Colporteurs. 

8.  Tanners  and  Curriers. 

9.  Metal  Workers. 

10.  Bankers,  Capitalists,  and  Officers  of  Corporations  other  than  Manufacturing 

Corporations  ;  also  Superintendents  of  Railroads  and  Express  Companies. 

11.  Civil  Officials. 

12.  Butchers,  Packers,  Drovers  and  Marketmen. 

13.  Leather  "Workers. 

14.  Mechanics  not  designated  and  "Workers  at  Petty  Mechanical  Occupations. 

15.  Painters  and  Paper- Hangers. 

16.  Lawyers,  Justices,  Magistrates,  Conveyancers,  etc. 

17.  Jewelers,   Clock  and  "Watchmakers,  Opticians,  Gold  and  Silversmiths,  Gold 

Pen  Makers,  etc. 

18.  Manufacturers,  including  Officers  of  Manufacturing  Companies,  Proprietors, 

Superintendents  and  Managers  of  Manufactories,  except  Liquor  Eefiners, 
Oil  Producers,  etc. 

19.  Merchants,  Publishers,   Shippers,  Dealers   and  Traders  of  all  kinds,  except 

Stock-Brokers,  "  Operators,"  Peddlers,  Milkmen,  Pawnbrokers,  and  Dealers 
in  Drugs,  Paints,  Tobacco  and  Liquors. 

20.  Agriculturalists,  Gardeners,  Nurserymen,  Dairymen,  Stock-raisers,  etc. 

21.  Wood  "Workers,  including  Carriage  and  "Wagon  Makers. 

22.  Laborers  and  Mill  Operatives. 

23.  Civil  Engineers  and  Surveyors. 

24.  Agents,  Adjusters,  Canvassers,  Underwriters,  Insurance  Surveyors,  Express 

Managers,  Depot  Masters,  etc. 


55 

TABLE    XII.— Continued. 

CLASSIFICATION  BY  OCCUPATION. 


25.  Tailors  and  Cloth  Cutters. 

26.  Millers. 

27.  Salesmen,  Clerks,  Book-keepers,  Auditors,  Cashiers,  except  of  Banks,  Bank 

Messengers,  Private  Secretaries  and  Telegraph  Operators. 

28.  Stationary  Engineers  and  Engineers  not  designated. 

29.  Artists,    Architects,    Draughtsmen,    Engravers,    Lithographers,   Mechanical 

Engineers,  Sculptors,  etc. 

30.  Authors,  Editors,  Journalists,  Correspondents,  Lecturers,  Reporters,  etc. 

31.  Foundrymen,  Moulders,  Fumacemen  and  Potters. 

32.  Railroad   Trainmen,    Express   Messengers,    Section   Masters   and   Train  Dis- 

patchers. 

33.  Printers. 

34.  Physicians,  Surgeons  and  Oculists. 

35.  Gentlemen  and  Retired  Business  men. 

36.  Druggists,  Chemists,  Dyers,  Bleachers,  Platers,  Photographers,  Dealers  in  Drugs, 

Paints,  Oils,  etc. 

37.  Bakers. 

38.  Tobacconists  and  Cigar  Makers. 

39.  Stone  Workers  and  Plasterers. 

40.  Drivers,  Teamsters,  etc. 

41.  Officers  and  Crews  of  Steamboats  and  River  Craft. 

42.  Stock  Brokers,  Brokers,  Real  Estate  Agents,  Speculators  and  Operators. 

43.  Students. 

44.  Army  OfiBcers  and  Soldiers. 

45.  Liquor  Refiners  and  Dealers,  Bar  Keepers,  Hotel  Keepers,  Landlords,  etc. 

46.  Mariners  and  Seamen. 

47.  Ofiicers  of  the  Navy  and  of  Ocean  and  Sailing  Vessels. 

48.  Miscellaneous,  consisting  principally  of  unknown  and  indefinitely  designated 

occupations,  including  also  occupations  not  before  provided  for,  as  Actors, 
Auctioneers,  Barbers,  Boarding-house  Keepers,  Divers,  etc. 

49.  Persons  giving  two  or  more  distinct  occupations,  not  classed  together  above, 

usually  in  different  applications  made  at  different  times. 


56 


TABLE    XII.— Continued. 

MALE  LIVES  CLASSIFIED  BY  OCCUPATION. 


o 

Average 

Per  cent. 

Probable 

Ratio  of 

i 

1 

Entered. 

Existing. 

Ceased. 

Died. 

Years  of 
Exposure. 

Duration 
of  Insur- 

remiiin- 
ing 

Deaths, 
American 

Actual 
to  Prob- 

ance. 

Insured. 

Table. 

able. 

O 

1 

241 

161 

72 

8 

1,404 

5.83 

67 

16.90 

.473 

1 

2 

416 

205 

191 

20 

3,039 

7.31 

49 

39.17 

.511 

2 

3 

458 

243 

185 

30 

3,934 

8.59 

53 

48.74 

.616 

3 

4 

1,211 

680 

459 

72 

9,681 

7.99 

56 

116.92 

.616 

4 

5 

186 

68 

101 

17 

1,659 

8.92 

37 

25.33 

.671 

5 

6 

376 

179 

171 

26 

2,666 

7.09 

48 

36.51 

.712 

6 

7 

2,391 

1,454 

689 

248 

23,285 

9.74 

61 

341.46 

.726 

7 

8 

225 

114 

88 

23 

2,032 

9.03 

51 

30.88 

.745 

8 

9 

2,919 

1,372 

1,329 

218 

22,005 

7.74 

47 

291.58 

.748 

9 

10 

1,401 

936 

347 

118 

11,654 

8.32 

67 

157.74 

.748 

10 

11 

1,114 

598 

422 

94 

8,331 

7.48 

54 

124.74 

.754 

11 

12 

983 

479 

431 

73 

7,259 

7.38 

49 

96.36 

.758 

12 

13 

1,326 

575 

654 

97 

9,537 

7.19 

43 

126.06 

.769 

13 

14 

1,356 

550 

695 

111 

11,134 

8.21 

41 

143.04 

.776 

14 

15 

739 

299 

384 

56 

5,272 

7.13 

40 

71.68 

.781 

15 

16 

3,040 

1,778 

1,014 

248 

24,355 

8.01 

58 

312.67 

.793 

16 

17 

740 

377 

302 

61 

6,182 

8.. ^5 

51 

75.86 

.804 

17 

18 

4,932 

2,635 

1,808 

489 

42,283 

8.57 

53 

604.65 

.809 

18 

19 

•25,585 

14,378 

8,807 

2,400 

221,043 

8.64 

56 

2,953.37 

.813 

19 

20 

8,529 

3,947 

3,869 

713 

57,812 

G.78 

46 

875.16 

.815 

20 

21 

4,484 

1,846 

2,275 

363 

31,879 

7.11 

41 

431.23 

.842 

21 

22 

1,263 

624 

541 

98 

8,784 

6.95 

49 

114.86 

.853 

22 

23 

320 

183 

108 

29 

2,713 

8.48 

57 

33.96 

.854 

23 

24 

3,135 

1,634 

1,240 

261 

23,036 

7.35 

52 

304.95 

.856 

24 

25 

869 

398 

386 

85 

7,249 

8.34 

46 

97.18 

.875 

25 

26 

796 

375 

348 

73 

5,840 

7.34 

47 

82.86 

.881 

26 

27 

9,827 

5,652 

3,456 

719 

70,101 

7.74 

58 

813.53 

.884 

27 

28 

210 

101 

94 

15 

1,493 

7.11 

48 

16.97 

.884 

28 

29 

360 

164 

164 

32 

2,769 

7.69 

46 

35.81 

.894 

29 

30 

422 

172 

216 

34 

2,770 

6.56 

41 

36.46 

.933 

30 

31 

420 

194 

186 

40 

3,115 

7.42 

46 

42.63 

.938 

31 

32 

528 

260 

224 

44 

4,116 

7.80 

49 

45.87 

.959 

32 

33 

544 

223 

281 

40 

3,594 

6.61 

41 

41.01 

.975 

33 

34 

2,347 

1,121 

963 

263 

18,146 

7.73 

48 

269.05 

.978 

34 

35 

330 

157 

122 

51 

2,472 

7.49 

48 

52.09 

.979 

35 

36 

1,457 

786 

532 

139 

11,393 

7.82 

64 

137.77 

1.009 

36 

37 

441 

196 

198 

47 

3,460 

7.85 

44 

45.75 

1.027 

37 

38 

350 

205 

116 

29 

2,360 

6.74 

59 

28.10 

1.032 

38 

39 

953 

396 

465 

92 

6,745 

7.08 

42 

88.89 

1.035 

39 

40 

381 

159 

182 

40 

2,645 

6.94 

42 

36.30 

1.102 

40 

41 

240 

91 

126 

23 

1,616 

6.73 

38 

20.60 

1.117 

41 

42 

1,179 

547 

502 

130 

8,289 

7.03 

46 

115.49 

1.126 

42 

43 

900 

438 

402 

60 

6,133 

6.81 

49 

51.19 

1.172 

43 

44 

293 

133 

131 

29 

2,023 

6.90 

45 

22.78 

1.273 

44 

45 

1,617 

655 

748 

214 

11,358 

7.02 

41 

150.63 

1.421 

45 

46 

300 

140 

111 

49 

2,312 

7.71 

47 

29.55 

1.658 

46 

47 

423 

190 

151 

82 

3,280 

7.75 

45 

46.82 

1.751 

47 

48 

3,006 

1,129 

1,532 

345 

22,007 

7.32 

38 

308.24 

1.119 

48 

49 

2,224 

1,583 

443 

198 

27,445 

12.34 

71 

345.28 

.573 

49 

All, 

97,787 

50,780 

38,261 

8,746 

780,310 

7.98 

52 

10,334.67 

.846 

All. 

57 

TABLE    XIII. 
MALE  LIVES  CLASSIFIED  BY  OCCUPATION  AND  BY  GROUPS  OP  AGES. 


t 
1 

Asks  AT 

ExpoacHx. 
1-30. 

AOBS  .AT   EXPOSUKK. 
31-40. 

Ages  at  Expo«ukb. 
41-50. 

Ages  at  Exposubx. 
61-60. 

Agks  at  Exposcbb. 
61-70. 

Agbs  at  Exposdrb. 
71-90. 

O 

1 

Deaths 

Probable 

Deaths, 

American 

Table. 

Deaths. 

Probahle 

Deaths, 

Americau 

Table. 

Deaths. 

ProbaWo 

Deaths, 

American 

Table. 

Deaths. 

Probable 

Deaths, 

American 

Table. 

Deaths, 

Probable 

Deaths, 

American 

Table. 

Deaths 

Probable 

Deaths, 

American 

Table. 

1 

1 

2.54 

3 

4.40 

1 

4.11 

1 

3.58 

2 

2.04 

.22 

2 

3 

2.09 

5 

9.26 

8 

12.66 

3 

9.98 

1 

4.82 

.36 

2 

3 

4 

4.34 

10 

13.02 

7 

14.38 

6 

10.70 

3 

4.93 

1.35 

3 

4 

6 

12.44 

24 

35.45 

20 

30.46 

12 

22.80 

7 

11.93 

3 

3.85 

4 

5 

1 

2.09 

1 

3.88 

5 

5.41 

5 

6.71 

4 

5.44 

1 

1.81 

5 

6 

4 

1.53 

5 

6.98 

6 

12.17 

8 

9.57 

2 

5.58 

1 

.69 

6 

7 

7 

9.76 

48 

67.48 

72 

93.13 

67 

92.08 

42 

58.43 

12 

20.58 

7 

8 

1 

1.03 

2 

5.08 

10 

8.41 

6 

8.55 

2 

5.86 

2 

1.96 

8 

9 

21 

22.43 

56 

70.87 

59 

88.48 

48 

61.32 

24 

35.34 

10 

13.13 

9 

10 

5 

10.12 

26 

34.64 

31 

43.07 

24 

41.18 

28 

24.65 

4 

4.09 

10 

11 

3 

5.06 

19 

23.35 

28 

32.67 

26 

31.98 

12 

20.72 

6 

10.95 

11 

12 

4 

5.70 

16 

22.54 

23 

28.53 

14 

22.86 

11 

13.10 

5 

3.63 

12 

13 

4 

9.88 

20 

29.49 

29 

35.39 

23 

27.94 

12 

17.09 

9 

6.26 

13 

14 

12 

10.52 

28 

34.49 

29 

43.20 

31 

33.44 

9 

17.43 

2 

3.94 

14 

15 

5 

4.82 

7 

15.63 

14 

20.54 

18 

16.38 

8 

10.10 

4 

4.19 

15 

16 

17 

22.90 

64 

77.78 

59 

90.15 

69 

76.56 

31 

34.75 

8 

10.52 

16 

17 

7 

7.10 

16 

20.75 

17 

21.58 

15 

17.02 

5 

8.47 

1 

.94 

17 

18 

24 

29.39 

89 

113.21 

125 

167.92 

143 

16.5.09 

89 

100.10 

19 

28.93 

18 

19 

145 

200.90 

517 

676.32 

697 

818.80 

604 

727.08 

354 

416.64 

83 

113.62 

19 

20 

57 

46.46 

113 

132.99 

174 

221.72 

210 

255.58 

125 

170.37 

34 

48.03 

20 

21 

24 

22.92 

72 

87.06 

113 

134.35 

94 

114.51 

45 

61.38 

15 

11.00 

21 

22 

17 

10.24 

12 

24.36 

26 

33.17 

27 

29.03 

12 

14.01 

4 

4.05 

22 

23 

1 

2.89 

6 

7.73 

9 

10.90 

8 

8.46 

5 

3.46 

.51 

23 

24 

26 

25.27 

53 

74.26 

75 

79.79 

50 

67.35 

36 

41.60 

21 

16.69 

24 

25 

3 

3.81 

15 

18.88 

21 

33.85 

27 

26.84 

15 

11.46 

4 

2.34 

25 

26 

6 

4.10 

16 

15.64 

20 

22.45 

19 

23.65 

10 

15.23 

2 

1.78 

26 

27 

181 

206.09 

247 

25.5.16 

141 

168.93 

99 

110.02 

37 

57.20 

14 

16.13 

27 

28 

1.76 

6 

5.26 

5 

5.28 

3 

3.95 

1 

.73 

28 

29 

1 

3.07 

5 

8.76 

12 

9.90 

10 

8.15 

3 

4.21 

1 

1.73 

29 

30 

3 

2.51 

7 

8.59 

5 

10.06 

10 

9.67 

8 

4.90 

1 

.74 

30 

31 

4 

3.35 

6 

8.24 

7 

12.19 

13 

10.34 

9 

6.66 

1 

1.85 

31 

32 

3 

4.23 

15 

15.93 

16 

14.87 

9 

8.66 

1 

2.18 

32 

33 

7 

5.46 

16 

13.13 

5 

11.40 

9 

7.00 

2 

3.35 

1 

.68 

33 

34 

11 

11.19 

46 

48.31 

69 

73.15 

68 

71.05 

61 

45.74 

18 

19.60 

34 

35 

1.20 

4 

3.16 

6 

7.88 

23 

15.14 

14 

18.42 

4 

6.29 

35 

36 

18 

16.58 

40 

38.31 

35 

37.23 

27 

26.86 

15 

14.77 

4 

4.01 

36 

37 

1 

2.69 

11 

9.97 

16 

14.22 

13 

11.75 

4 

6.05 

2 

1.08 

37 

38 

2 

3.12 

15 

8.46 

7 

7.71 

4 

5.58 

I 

2.35 

.88 

38 

39 

5 

5.16 

26 

20.16 

25 

26.72 

20 

23.03 

13 

11.95 

3 

1.87 

39 

40 

2 

2.33 

7 

7.54 

17 

10.49 

7 

8.56 

4 

6.26 

3 

2.12 

40 

41 

1 

1.17 

8 

4.92 

n 

6.70 

2 

5.35 

1 

2.15 

.31 

41 

42 

11 

7.11 

18 

23.17 

33 

33.08 

39 

27.72 

23 

17.32 

6 

7.10 

42 

43 

47 

38.35 

11 

9.70 

1 

2.37 

1 

.45 

.31 

43 

44 

7 

3.11 

15 

7.34 

3 

6.52 

4 

3.90 

1.91 

44 

45 

10 

6.84 

38 

32.59 

85 

47.93 

49 

42.76 

29 

17.02 

3 

3.47 

45 

46 

8 

2.90 

11 

6.82 

16 

8.57 

10 

6.58 

2 

3.36 

2 

1.31 

46 

47 

6 

2.69 

23 

9.60 

22 

12.40 

21 

11.14 

8 

7.26 

2 

3.74 

47 

48 

30 

24.80 

72 

58.03 

95 

80.92 

83 

76.88 

51 

49.83 

14 

17.79 

48 

49 

12 

37.21 

34 

86.89 

51 

91.21 

60 

78.89 

32 

39.61 

9 

11.46 

49 

AU, 

778 

873.25 

1,924 

2,315.58 

2,361 

2,807.02 

2,142 

2,483.67 

1,203 

1,437.47 

338 

417.58 

All. 

58 
TABLE     XIV. 

FEMALE  LIVES. 


Age  at 

Exposed. 

Died. 

Katio  of  Died 

Age  at 

Exposed. 

Died. 

Ratio  of  Died 

Exposure. 

to  Expoeed. 

Exposure. 

to  Exposed. 

7-10 

7 

11 

6 

51 

1,290 

16 

.01240 

12 

7 

52 

1,178 

16 

.01358 

13 

8 

53 

1,077 

15 

.01393 

14 

24 

54 

980 

14 

.01429 

15 

51 

55 

893 

13 

.01456 

16 

67 

56 

806 

9 

.01117 

17 

91 

57 

736 

9 

.01223 

18 

142 

2 

.01408 

58 

658 

15 

.02280 

19 

179 

2 

.01117 

59 

573 

5 

.00873 

20 

265 

5 

.01887 

60 

616 

13 

.02519 

21 

354 

3 

.00847 

61 

456 

11 

.02412 

22 

489 

4 

.00818 

62 

396 

10 

.02525 

23 

624 

7 

.01122 

63 

347 

5 

.01484 

24 

756 

6 

.00794 

64 

305 

10 

.03278 

25 

927 

12 

.01294 

65 

243 

6 

.02469 

26 

1,079 

9 

.00834 

66 

207 

4 

.01932 

27 

1,217 

19 

.01561 

67 

176 

4 

.02272 

28 

1,416 

14 

.00989 

68 

154 

8 

.05195 

29 

1,589 

13 

.00818 

69 

130 

3 

.02308 

30 

1,801 

18 

.00999 

70 

109 

3 

.02762 

31 

1,898 

15 

.00790 

71 

86 

1 

.01163 

32 

2,029 

21 

.01035 

72 

70 

3 

.04286 

33 

2,132 

31 

.01454 

73 

56 

3 

.05357 

34 

2,167 

26 

.01200 

74 

44 

2 

.04545 

35 

2,195 

19 

.00866 

75 

38 

6 

.15789 

36 

2,229 

23 

.01032 

76 

32 

2 

.06250 

37 

2,259 

18 

.00797 

77 

29 

6 

.20690 

38 

2,295 

26 

.01133 

78 

20 

2 

.10000 

39 

2,255 

22 

.00976 

79 

18 

40 

2,242 

25 

.01115 

80 

IS 

2 

.13333 

41 

2,195 

28 

.01276 

81 

10 

5 

.50000 

42 

2,093 

18 

.00858 

82 

5 

43 

2,011 

29 

.01442 

83 

4 

1 

.25000 

44 

1,969 

24 

.01219 

84 

3 

45 

1,908 

19 

.00996 

85 

3 

1 

.33333 

46 

1,806 

17 

.00941 

86 

2 

47 

1,733 

15 

.00866 

87 

2 

48 

1,612 

24 

.01489 

88 

2 

49 

1,483 

6 

.00405 

89 

2 

1 

.50000 

50 

1,398 

11 

.00787 

90 

1 

1 

1.00000 

All, 

62,680 

756 

.01206 

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62 


TABLE    XIX. 

POLICIES  ISSUED  AND  AMOUNTS  INSURED  ON  MALE  LIVES. 


Age  at 
Exposure 

Exposed. 

Ceased  bt  Death. 

Ratio  or  Ceased  bt 
Death  to  Exposed. 

Probable  Losses, 
American  Tabx.e. 

Policies. 

Amounts. 

Policies. 

Amouuts. 

Policies. 

Amounts. 

Policies. 

Amounts. 

7-10 

18 

$33,300 

.13 

$249 

11 

15 

34,800 

.11 

262 

12 

23 

76,950 

.17 

580 

13 

40 

110,250 

1 

$2,000 

.02500 

.01814 

.30 

834 

14 

118 

293,984 

1 

1,200 

.00847 

.00408 

.90 

2,233 

15 

198 

511,134 

1 

1,300 

.00505 

.00254 

1.51 

3,901 

16 

297 

714,984 

2 

2,000 

.00673 

.00280 

2.27 

5,477 

17 

489 

1,107,936 

6 

10,000 

.01227 

.00903 

3.76 

8,51cS 

18 

719 

1,591,713 

5 

11,000 

.00695 

.00691 

5.55 

12,298 

19 

1,132 

2,472,643 

19 

37,450 

.01678 

.01515 

8.79 

19,200 

20 

1,804 

3,895,391 

17 

31,700 

.00942 

.00814 

14.08 

30,400 

21 

2,959 

6,785,915 

26 

40,650 

.00879 

.00599 

23.24 

53,303 

22 

4,249 

10,140,580 

34 

95,528 

.00800 

.00942 

33.59 

80,171 

23 

5,779 

14,298,592 

43 

106,065 

.00744 

.00742 

45.99 

113.788 

24 

7,494 

19,249,489 

53 

101,425 

.00707 

.00527 

60.03 

154,208 

25 

9,436 

24,817,309 

71 

163,194 

.00752 

.00658 

76.09 

200,127 

26 

11,418 

30,491,715 

77 

185,830 

.00674 

.00609 

92.83 

247,898 

27 

13,563 

36,958,389 

103 

272,817 

.00759 

.00738 

111.16 

302,911 

28 

15,719 

43,430,855 

108 

277,689 

.00687 

.00639 

129.90 

358,913 

29 

17,940 

50,192,537 

138 

387,283 

.00769 

.00772 

149.69 

418,807 

30 

20,126 

56,891,967 

123 

375,390 

.00611 

.00660 

169.58 

479,372 

31 

21,932 

62,248,152 

137 

362,575 

.00625 

.00582 

186.64 

529,732 

32 

23,822 

67,406,599 

172 

499,202 

.00722 

.00741 

205.04 

580,169 

33 

25,628 

72,621,889 

196 

543,182 

.00765 

.00748 

223.40 

633,045 

34 

27,158 

76,841,155 

193 

548,132 

.00711 

.00713 

239.81 

678,507 

35 

28,511 

80,598,602 

218 

604,289 

.00765 

.00750 

255.06 

721,035 

36 

29,448 

83,762,876 

197 

588,886 

.00669 

.00703 

267.62 

761,237 

37 

30,281 

86,350,174 

227 

662,346 

.00750 

.00767 

279.61 

797,358 

38 

30,806 

88,068,536 

236 

728,677 

.00766 

.00827 

289.82 

828,549 

39 

31,147 

89,400,254 

266 

769,745 

.00854 

.00861 

298.58 

856,991 

40 

31,247 

90,064,820 

287 

884,154 

.00918 

.00982 

306.03 

882,095 

41 

31,011 

89,941,826 

233 

674,851 

.00751 

.00750 

310.36 

900,138 

42 

30,728 

89,213,667 

275 

807,054 

.00895 

.00905 

315.02 

914,619 

43 

30,084 

87,450,695 

293 

846,693 

.00974 

.00968 

316.39 

919,719 

44 

29,317 

85,417,321 

258 

739,655 

.00880 

.00866 

317.47 

924,984 

45 

28,346 

83,308,909 

261 

819,310 

.00921 

.00983 

316.43 

929,977 

46 

27,492 

81,083,595 

303 

995,592 

.01102 

.01228 

317.86 

937,489 

47 

26,335 

77,784,294 

271 

765,911 

.01029 

.00985 

316.02 

933,412 

48 

25,284 

75,195,660 

279 

833,232 

.01103 

.01108 

316.28 

940,623 

49 

23,945 

71,743,637 

246 

762,866 

.01027 

.01063 

313.82 

940,272 

50 

22,655 

68,219,262 

248 

712,756 

.01095 

.01045 

312.21 

940,130 

63 


TABLE    XIX.— Continued. 

POLICIES  ISSUED  AND  AMOUNTS  INSURED  ON  MALE  LIVES. 


Age  at 
ExpoBore 

EXPOSKD. 

Cbased  by  Death. 

Ratio  of  Ceased  by 
Dbath  to  Exposed. 

Probable  Losses, 
Ahirican  Table. 

PoUcies. 

Amotmts. 

FoUcies. 

Amounts. 

Policies. 

Amounts. 

PoUcien. 

Amounts. 

51 

21,093 

$63,531,889 

279 

$811,268 

.01323 

.01277 

306.71 

$923,817 

52 

19,950 

59,863,719 

253 

848,125 

.01268 

.01417 

307.01 

921,243 

53 

18,571 

55,519,336 

267 

834,185 

.01438 

.01503 

303.32 

906,797 

54 

17,155 

51,249,148 

277 

770,422 

.01615 

.01503 

298.43 

891,530 

55 

15,658 

46,539,533 

261 

874,050 

.01667 

.01878 

290.79 

864,286 

56 

14,243 

41,934,407 

261 

874,798 

.01832 

.02086 

283.22 

833,866 

57 

12,979 

38,133,160 

231 

724,440 

.01780 

.01900 

276.91 

813,571 

58 

11,561 

33,848,556 

220 

674,213 

.01903 

.01992 

265.16 

776,350 

59 

10,364 

29,836,679 

217 

636,663 

.02094 

.02134 

256.20 

737,563 

60 

9,168 

26,105,694 

208 

641,760 

.02269 

.02458 

244.72 

696,839 

61 

8,018 

22,401,460 

205 

624,827 

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64 

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11,463,168 

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7,503,541 

113 

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140.23 

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68 

2,366 

5,827,833 

106 

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123.04 

303,059 

69 

1,869 

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94 

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106.09 

255,799 

70 

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3,482,863 

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91.63 

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71 

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181,254 

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61 

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33 

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70 


TABLE    XXVI.     (a) 

PREMIUM  PAYING  LIFE  POLICIES  AND  AMOUNTS  ON  MALE  LIVES, 
BY  GROUPS  OF  AGES  AND  OF  YEARS  OF  INSURANCE. 


Agee  at 

Years  of 

Exposed. 

Cbasbd  bt  Death. 

Probable    Lossbs, 
American  Table. 

Ratio  op 

Actual 

TO  Probablb. 

Expoeare. 

Insurance. 

Number. 

Amount. 

No. 

Amount. 

Number. 

Amount. 

No. 

Amt. 

7-20 

1-5 

2,686 

$6,978,625 

27 

$63,900 

20.80 

$54,021 

1.298 

1.183 

6-10 

148 

476,700 

1 

3,000 

1.14 

3,698 

.877 

.811 

11-15 

6 

12,000 

.05 

94 

21-30 

1-5 

69,145 

209,317,591 

441 

1,306,000 

567.66 

1,719,171 

.777 

.760 

6-10 

9,995 

30,050,614 

107 

337,800 

82.75 

249,056 

1.293 

1.356 

11-15 

692 

1,745,830 

11 

33,500 

5.72 

14,467 

1.923 

2.316 

16-20 

30 

71,000 

.26 

5S9 

21-25 

1 

5,000 

.01 

42 

31-40 

1-5 

143,234 

446,334,086 

1,021 

3,222,895 

1,299.19 

4,051,694 

.786 

.795 

6-10 

66,043 

200,394,263 

582 

1,778,425 

605.47 

1,836,016 

.961 

.969 

1115 

17,325 

50,059,941 

175 

511,850 

161.44 

466,362 

1.084 

1.098 

16-20 

1,489 

3,731,475 

12 

22,300 

14.08 

35,380 

.852 

.630 

21  25 

144 

310,080 

2 

5,000 

1.37 

2,923 

1.460 

1.711 

26-32 

15 

32,400 

.15 

302 

41-50 

1-5 

99,828 

338,969,569 

876 

2,955,095 

1,133.34 

3,857,957 

.773 

.766 

6-10 

75,418 

236,859,633 

791 

2,615,437 

862.54 

2,718,548 

.917 

.962 

11-15 

41,665 

114,517,474 

444 

1,254,087 

481.68 

1,324,329 

.922 

.947 

16-20 

12,561 

32,720,144 

142 

418,750 

149.23 

388,041 

.952 

1.079 

21-25 

3,729 

9,275,675 

43 

111,950 

46.02 

114,579 

.934 

.977 

26-32 

464 

1,015,925 

6 

12,000 

5.92 

12,925 

2.397 

.862 

51-60 

1-5 

38,078 

133,688,479 

586 

2,176,860 

700.32 

2,453,313 

.837 

.887 

6-10 

39,377 

133,039,982 

756 

2,619,853 

734.75 

2,483,577 

1.029 

1.055 

11-15 

27,111 

80,081,102 

400 

1,193,562 

513.35 

1,520,082 

.779 

.785 

16-20 

13,233 

33,628,789 

241 

653,462 

252.46 

644,036 

.955 

1.015 

21-25 

9,814 

23,370,615 

159 

424,100 

193.43 

459,003 

.822 

.924 

26-32 

4,352 

10,188,660 

73 

178,860 

90.32 

210,799 

.808 

.848 

61-70 

1-5 

5,464 

17,688,908 

126 

380,700 

187.71 

607,017 

.671 

.627 

6-10 

10,284 

33,489,631 

361 

1,273,750 

387.52 

1,253,660 

.932 

1.016 

11-15 

8,762 

24,282,442 

302 

890,510 

341.39 

938,041 

.885 

.949 

16-20 

5,154 

12,868,975 

183 

453,750 

202.72 

502,045 

.903 

.904 

21-25 

5,275 

12,436,395 

214 

568,800 

210.54 

493,496 

1.016 

1.153 

26-32 

4,098 

9,285,855 

130 

314,900 

166.86 

379,173 

.779 

.830 

71-80 

1-5 

39 

90,100 

2 

2,800 

3.00 

6,861 

.667 

.408 

6  10 

300 

873,850 

18 

42,400 

23.07 

66,576 

.780 

.637 

11-15 

939 

2,328,728 

59 

138,100 

74.76 

184,299 

.789 

.749 

16-20 

924 

2,071,181 

56 

119,564 

81.41 

181,316 

.688 

.659 

21-25 

1,208 

2,649,200 

98 

219,100 

106.54 

232,813 

.920 

.941 

26-32 

1,053 

2,338,870 

89 

213,325 

94.44 

210,381 

.942 

1.014 

81-90 

11-15 

9 

26,200 

3 

6,200 

1.54 

4,693 

1.948 

1.321 

16-20 

31 

48,550 

5 

14,000 

5.64 

8,875 

.887 

1.577 

21-25 

105 

209,650 

15 

24,650 

20.41 

39,507 

.735 

.624 

26-32 

127 

271,600 

18 

39,000 

28.85 

60,073 

.624 

.649 

71 


TABLE    XXVI.    (b) 

PREMIUM  PAYING  LIFE  POLICIES  AND  AMOUNTS  ON  MALE  LIVES, 
BY  YEARS  OF  INSURANCE. 


Years  of 

Exposed. 

Ceased  by  Death. 

Probable    Losses, 
AaEBicAK  Tabus. 

Ratio  of 

Actual 

TO  Pbobable. 

Years  of 

Insurance. 

Number. 

Amount. 

No. 

Amount. 

Number. 

Amount. 

No. 

Amt. 

Insuraijct-, 

1 

95,883 

$305,676,243 

667 

$2,143,805 

983.84 

$3,174,520 

.678 

.675 

1 

2 

79,125 

255,580,600 

659 

2,161,590 

839.87 

2,748,227 

.785 

.787 

2 

3 

68,818 

222,597,917 

588 

1,824,500 

756.41 

2,479,655 

.777 

.736 

3 

4 

60,818 

196,447,010 

597 

2,019,155 

693.60 

2,271,509 

.861 

.889 

4 

5 

53,830 

172,765,588 

568 

1,959  200 

638.30 

2,076,123 

.890 

.944 

5 

1-5 

358,474 

1,153,067,358 

3,079 

10,108,250 

3,912.02 

12,750,0.34 

.787 

.793 

1-5 

6 

48,707 

155,283,899 

614 

2,118,540 

602.18 

1,946,799 

1.020 

1.088 

6 

7 

44,346 

140,734,239 

520 

1,700,973 

571.80 

1,839,288 

.909 

.925 

7 

8 

40,141 

126,548,441 

554 

1,846,197 

540.82 

1,727,860 

1.024 

1.068 

8 

9 

35,907 

112,423,806 

500 

1,621,905 

505.14 

1,603,290 

.990 

1.012 

9 

10 

32,464 

100,194,288 

428 

1,383,050 

477.30 

1,493,894 

.897 

.926 

10 

6-10 

201,565 

635,184,673 

2,616 

8,670,665 

2,697.24 

8,611,131 

.970 

1.007 

6-10 

11 

28,448 

85,411,831 

377 

1,147,262 

436.16 

1,322,872 

.864 

.867 

11 

12 

23,774 

68,970,997 

322 

1,046,100 

379.06 

1,102,731 

.849 

.949 

12 

13 

18,653 

50,883,842 

276 

766,537 

309.94 

840,622 

.890 

.912 

13 

14 

14,646 

39,020,056 

236 

622,810 

254.49 

670,146 

.927 

.929 

14 

15 

10,988 

28,766,991 

183 

445,100 

200.28 

515,996 

.914 

.863 

15 

11-15 

96,509 

273,053,717 

1,394 

4,027,809 

1,579.93 

4,452,367 

.882 

.905 

11-15 

16 

8,440 

21,974,189 

153 

411,500 

160.72 

412,994 

.952 

.996 

16 

17 

7,380 

19,050,334 

165 

454,762 

148.81 

377,567 

1.109 

1.204 

17 

18 

6,627 

16,862,607 

108 

288,050 

141.43 

353,911 

.764 

.814 

18 

19 

5,798 

14,500,532 

119 

298,964 

130.82 

318,900 

.910 

.937 

19 

20 

5,177 

12,752,452 

94 

228,550 

124.02 

296,910 

.758 

.770 

20 

16-20 

33,422 

85,140,114 

639 

1,681,826 

705.80 

1,760,282 

.905 

.955 

16-20 

21 

4,723 

11,465,427 

107 

282,700 

120.01 

283,381 

.892 

.998 

21 

22 

4,389 

10,553,627 

107 

281,400 

117.69 

276,637 

.909 

1.017 

22 

23 

4,064 

9,652,327 

99 

256,150 

116.18 

268,831 

.852 

.953 

23 

24 

3,739 

8,792,927 

121 

301,750 

114.59 

263,116 

1.056 

1.147 

24 

25 

3,361 

7,792,307 

97 

231,600 

109.85 

250,398 

.883 

.925 

25 

21-25 

20,276 

48,256,615 

531 

1,353,600 

578.32 

1,342,363 

.918 

1.008 

21-25 

26 

3,062 

7,055,957 

98 

251,650 

106.58 

241,646 

.919 

1.041 

26 

27 

2,737 

6,279,757 

77 

185,550 

101.99 

230,742 

.755 

.804 

27 

28 

2,216 

5,072,257 

60 

146,810 

88.77 

200,341 

.676 

.733 

28 

29 

1,374 

3,156,777 

47 

98,475 

57.12 

131,297 

.823 

.750 

29 

30 

545 

1,205,812 

24 

54,000 

23.66 

52,231 

1.014 

1.034 

30 

31 

162 

335,750 

9 

16,600 

7.85 

16,032 

1.146 

1.035 

31 

32 

13 

27,000 

1 

5,000 

.57 

1,364 

1.754 

3.666 

32 

26-32 

10,109 

23,133,310 

316 

758,085 

386.54 

873,653 

.818 

.868 

26-32 

All, 

720,355 

$2,217,835,787 

8,575 

$26,600,235 

9,859.85 

$29,789,830 

.870 

.893 

All. 

72 


TABLE    XXVII.    (a) 

PREMIUM  PAYING  ENDOWMENT  POLICIES  AND  AMOUNTS  ON  MALE  LIVES, 
BY  GROUPS  OF  AGES  AND  OF  YEARS  OF  INSURANCE. 


Ageeat 
Exposure. 

Years  of 
Insurance. 

Exposed. 

Ckaseo  bt  Death. 

Probable    I>osse3, 
Amebican  Table. 

Ratio  ot  Actual 
TO  Pbobablb. 

Nnmber. 

Amoant. 

No 

Amount. 

Number. 

Amount. 

Nnmber. 

Amonnt. 

7-20 

1-5 

1,484 

$2,921,579 

11 

$20,000 

11.48 

$22,614 

.958 

.884 

6-10 

69 

114,000 

.55 

886 

21-30 

1-5 

15,876 

37,498,947 

88 

183,250 

129.47 

306,276 

.680 

.598 

6-10 

3,383 

7,356,695 

22 

47,800 

27.90 

60,766 

.789 

.787 

11-29 

115 

240,216 

1 

2,000 

.94 

1,996 

1.064 

1.002 

31-40 

1-5 

17,602 

49,784,540 

86 

322,000 

158.77 

449,939 

.542 

.716 

6-10 

9,611 

25,419,000 

52 

127,300 

87.47 

231,601 

.694 

.550 

11-29 

1,155 

3,967,750 

12 

27,000 

10.61 

27,276 

1.131 

.990 

41-50 

1-5 

9,202 

29,658,125 

54 

184,100 

103.76 

334,911 

.520 

.560 

6-10 

7,871 

23,746,855 

47 

152,600 

89.68 

271,338 

.524 

.562 

11-29 

1,500 

4,138,085 

8 

22,100 

17.19 

47,781 

.466 

.463 

51-60 

1-5 

2,350 

9,207,650 

18 

79,800 

40.99 

161,089 

.439 

.496 

6-10 

3,383 

11,542,800 

46 

160,100 

61.89 

214,750 

.743 

.746 

11-29 

832 

2,519,150 

10 

21,200 

15.50 

47,377 

.645 

.447 

61-70 

1-5 

106 

362,950 

2 

3,000 

3.50 

11,930 

.571 

.251 

6-10 

384 

1,461,500 

13 

78,000 

13.33 

50,680 

.976 

1.539 

11-29 

104 

379,500 

1 

2,000 

3.43 

12,626 

.292 

.168 

73 


TABLE    XXVII.    (b) 

PREMIUM  PAYING  ENDOWMENT  POLICIES  AND  AMOUNTS  ON  MALE  LIVES, 

BY  YEARS  OF  INSURANCE. 


Tears  of 
Ineurance. 

EXPOSKD. 

Ckasxd  et  Death. 

Probable   Lob^ks. 
Americak  Table. 

Ratio  of  Actual 
TO  Probable. 

Years  Of 
Insurance. 

Number. 

Amoant. 

No. 

Amount. 

Number. 

Amount. 

Number. 

Amount. 

1 

12,400 

$33,820,537 

70 

$209,150 

113.70 

318,772 

.616 

.656 

1 

2 

10,425 

29,050,810 

49 

152,100 

98.16 

282,041 

.499 

.539 

2 

3 

8,952 

25,017,248 

50 

148,300 

86.40 

249,996 

.579 

.593 

3 

4 

7,904 

22,131,623 

42 

146,600 

78.53 

228,253 

.535 

.642 

4 

5 

6,939 

19,413,573 

48 

136,000 

71.18 

207,697 

.674 

.655 

5 

1-5 

46,620 

129,433,791 

259 

792,150 

447.97 

1,286,759 

.578 

.616 

1-5 

6 

6,303 

17,647,978 

48 

144,900 

66.88 

195,634 

.718 

.741 

6 

7 

5,773 

16,168,998 

37 

103,500 

63.37 

185,249 

.584 

.559 

7 

8 

5,076 

14,230,878 

27 

89,500 

58.06 

170,151 

.465 

.526 

8 

9 

4,185 

11,984,348 

28 

77,000 

50.24 

151,702 

.557 

.508 

9 

10 

3,364 

9,608,648 

40 

150,800 

42.27 

127,285 

.946 

1.185 

10 

6-10 

24,701 

69,640,850 

180 

565,700 

280.82 

830,021 

.641 

.682 

6-10 

11-29 

3,706 

10,244,701 

32 

74,300 

47.67 

137,056 

.671 

.542 

11-29 

All, 

75,027 

209,319,342 

471 

1,432,150 

776.46 

2,253,836 

.607 

.635 

All. 

74 


TABLE    XXVIII.    (a) 

PAID  POLICIES  AND  AMOUNTS  ON  MALE  LIVES  ISSUED  IN  LIEU  OP  POLICIES 
SURRENDERED,  BY  GROUPS  OF  AGES  AND  OF  YEARS  OP  INSURANCE. 


Exposed. 

Ceased  by  Death. 

Probable   Losses, 
American  Tabue. 

Ratio  op  Actual 
TO  Probable. 

Ages  at 
Exposure. 

Years  of 

Insurance. 

Number. 

Amonnt. 

No. 

Amount. 

Number. 

Amount. 

Number. 

Amount 

7.20 

1-5 

122 

$56,181 

.95 

$435 

21-30 

1-5 

4,6.57 

2,347,124 

38 

$31,109 

38.34 

19,345 

.991 

1.608 

610 

443 

184,377 

3 

1,312 

3.68 

1,524 

.815 

.861 

11-19 

6 

2,383 

.05 

20 

31-40 

1-5 

15,486 

10,238,650 

110 

91,402 

141.27 

93,603 

.779 

.976 

6-10 

3,795 

1,901,813 

20 

8,231 

34.93 

17,534 

.573 

.469 

11-19 

127 

56,572 

2 

460 

1.18 

527 

1.695 

.873 

41-50 

1-5 

15,230 

11,198,147 

166 

138,632 

174.18 

127,845 

.953 

1.084 

6-10 

5,284 

2,830,552 

48 

39,819 

60.49 

32,550 

.794 

1.223 

11-19 

266 

117,032 

3.08 

1,363 

51-60 

1-5 

8,437 

6,186,531 

121 

114,041 

158.55 

115,152 

.763 

.990 

6-10 

2,922 

1,601,385 

48 

33,586 

55.69 

30,544 

.862 

1.100 

11-19 

162 

88,328 

3.02 

1,716 

61-70 

1-5 

2,212 

1,552,890 

68 

45,541 

84.38 

59,406 

.687 

.767 

6-10 

883 

428,716 

23 

11,500 

33.99 

16,242 

.677 

.708 

11-19 

62 

30,642 

2.47 

1,183 

71-80 

1-5 

99 

68,406 

8 

6,301 

7.92 

5,235 

1.010 

1.204 

6-10 

73 

45,846 

2 

827 

5.47 

3,517 

.366 

.235 

11-19 

10 

10,465 

1.01 

1,077 

81-90 

1-5 
6-10 

6 

4,208 

4 

2,354 

.98 

696 

4.082 

3.382 

11-19 

2 

2,000 

.33 

333 

76 


TABLE    XXVIII.    (t>) 

PAID  POLICIES  AND  AMOUNTS  ON  MALE  LIVES,  ISSUED  IN  LIEU  OF  POLICIES 
SURRENDEUED,  BY  YEARS  OF  INSURANCE. 


Years  of 
Insurance. 

Exposed. 

Cbased  by  Death. 

Probable    Lospes, 
A.MERICAN  Table. 

Katio  of  Actual 
TO  Pkobablk. 

Years  of 
InHir«nce. 

Number. 

Amount. 

No. 

Amount. 

Number. 

Amount. 

Number. 

Amount. 

1 

13,319 

$10,092,168 

141 

$154,829 

168.48 

$130,262 

.837 

1.189 

1 

2 

10,711 

7,469,509 

115 

82,754 

138.30 

98,047 

.832 

.844 

2 

3 

8,944 

5,933,946 

99 

81,613 

118.28 

79,836 

.837 

1.022 

3 

4 

7,389 

4,664,924 

84 

64,169 

100.13 

64,716 

.839 

.992 

4 

5 

5,886 

3,491,590 

66 

46,015 

81.38 

48,856 

.811 

.942 

5 

1-5 

46,249 

31,652,137 

505 

429,380 

606.57 

421,717 

.833 

1.018 

1-5 

6 

4,536 

2,498,666 

61 

49,745 

63.81 

35,150 

.956 

1.415 

6 

7 

3,380 

1,780,805 

34 

25,004 

48.41 

25,778 

.702 

.970 

7 

8 

2,654 

1,327,986 

20 

9,099 

38.98 

19,605 

.513 

.464 

8 

9 

1,826 

890,261 

14 

6,366 

27.63 

13,569 

.507 

.469 

9 

10 

1,004 

494,971 

15 

5,061 

15.42 

7,809 

.973 

.648 

10 

6-10 

13,400 

6,992,689 

144 

95,275 

194.25 

101,911 

.741 

,935 

6-10 

11-19 

635 

307,422 

2 

460 

11.14 

6,219 

.180 

.074 

11-19 

All, 

60,284 

$38,952,248 

651 

$525,115 

811.96 

$529,847 

.802 

.991 

All. 

76 


TABLE    XXIX.    (a) 

TERM  POLICIES  AND  AMOUNTS  ON  MALE  LIVES,  BY  GROUPS  OP  AGES 
AND  OP  YEARS  OP  INSURANCE. 


Exposed. 

Ceased  bt  Death. 

Probable    Losses, 
American  Table. 

Ratio  of  Actual 
TO  Probable. 

Ages  at 
Exposure. 

Years  of 

Insurance. 

Number. 

Amount. 

No. 

Amount 

Number. 

Amount. 

Number. 

Amount. 

7-20 

1-5 

3.34 

$277,000 

13 

$9,750 

2.60 

$2,149 

5.000 

4.537 

6-10 

4 

7,000 

.04 

54 

21-30 

1-5 

4,082 

4,186,571 

63 

61,900 

33.21 

34,175 

1.897 

1.811 

6-10 

258 

251,000 

2 

1,200 

2.13 

2,068 

.939 

.580 

31-40 

1-5 

3,471 

5,428,737 

49 

63,325 

31.32 

49,152 

1.564 

1.288 

6-10 

483 

703,750 

6 

11,000 

4.40 

6,405 

1.364 

1.717 

41-50 

1-5 

1,853 

3,648,000 

38 

45,950 

21.05 

41,635 

1.805 

1.104 

6-10 

326 

663,650 

4 

7,500 

3.68 

7,559 

1.087 

.992 

51-60 

1-5 

560 

1,150,300 

13 

29,500 

9.84 

19,721 

1.321 

1.496 

6-10 

131 

268,350 

3 

5,000 

2.34 

4,701 

1.282 

1.064 

61-70 

1-5 

18 

31,400 

2 

1,100 

.66 

1,186 

3.030 

.927 

6-10 

11 

21,200 

.34 

694 

77 


TABLE    XXIX.    (b) 

TERM  POLICIES  AND  AMOUNTS  ON  MALE  LIVES, 
BY  YEARS  OF  INSURANCE. 


Exposed. 

Ceased  by  Death. 

Probable    Losses, 
American  Table. 

Ratio  oy  Actual 
TO  Probable. 

Years  of 
Insurance. 

Years  of 
Insurance. 

Number. 

Amount. 

No. 

Amount. 

Number. 

Amount. 

Number. 

Amount. 

1 

4,053 

$5,313,247 

98 

$104,625 

37.53 

$51,466 

2.611 

2.033 

1 

2 

2,468 

3,448,737 

34 

44,650 

23.36 

34,127 

1.455 

1.308 

2 

3 

1,652 

2,513,062 

16 

20,950 

16.05 

25,640 

.977 

.817 

3 

4 

1,207 

1,930,737 

19 

29,600 

12.12 

20,386 

1.568 

1.452 

4 

5 

938 

1,516,225 

11 

11,700 

9.62 

16,399 

1.143 

.713 

5 

1-5 

10,318 

14,722,008 

178 

211,525 

98.68 

148  018 

1.804 

1.429 

1-5 

6-10 

1,213 

1,914,950 

15 

24,700 

12.93 

21,481 

1.160 

1.150 

6-10 

All, 

11,531 

$16,636,958 

193 

$236,225 

111.61 

$169,499 

1.729 

1.394 

All. 

78 


TABLE    XXX. 

PREMIUM  PAYING  LIFE  POLICIES  AND  AMOUNTS  ON  FEMALE  LIVES. 
SUMMARY  BY  GROUPS  OF  AGES. 


Ages  at 
Exposure. 

Exposed. 

Ceased  by  Death. 

Ratio  op  Ceased  by 
Death  to  Exposed. 

Ages  at 
Exposure. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

7-20 
21-25 
26-30 
31-35 
36-40 
41-45 
46-50 
51-55 
56-60 
61-65 
66-70 
71-75 
76-80 
81-85 
86-90 

664 

2,739 

6,109 

8,936 

9,638 

8,798 

6,999 

4,850 

3,025 

1,665 

791 

294 

113 

25 

9 

$1,677,960 

6,434,193 

13,874,748 

20,483,770 

21,833,302 

19,498.312 

15,197,101 

10,510,043 

6,226,265 

3,419,755 

1,459,602 

515,650 

170,500 

40,400 

10,500 

8 

26 

67 

94 

103 

109 

65 

69 

50 

37 

21 

15 

13 

7 

2 

$16,000 

55,200 

160,000 

195,279 

242,300 

237,650 

122,850 

171,450 

88,050 

90,625 

33,500 

36,000 

17,000 

10,900 

2,300 

.01205 
.00949 
.01097 
.01052 
.01069 
.01239 
.00929 
.01423 
.01653 
.02222 
.02655 
.05102 
.11504 
.28000 
.22222 

.00954 
.00858 
.01153 
.00953 
.01110 
.01219 
.00808 
.01631 
.01414 
.02650 
.02295 
.06981 
.09971 
.26980 
.21905 

7-20 
21-25 
26-30 
31-35 
36-40 
41-45 
46-50 
51-55 
56-60 
61-65 
66-70 
71-75 
76-80 
81-85 
86-90 

All, 

54,655 

$121,352,101 

686 

$1,479,104 

.01255 

.01219 

AIL 

7y 


TABLE    XXXI. 

PREMIUM  PAYING  ENDOWMENT  POLICIES  AND  AMOUNTS  ON  FEMALE  LIVES. 
SUMMARY  BY  GROUPS  OP  AGES. 


Exposed. 

CSASIO  BT  DKATU. 

Ratio  of  < 
Death  to 

[Jeased  by 
Exposed. 

Agea  at 
Exposare. 

Ages  at 
Exposure. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

7-20 

140 

$169,500 

7-20 

21-25 

308 

512,528 

6 

$7,507 

.01948 

.01465 

21-25 

26-30 

674 

1,195,400 

5 

11,000 

.00742 

.00920 

26-30 

31-35 

888 

1,614,000 

9 

19,000 

.01014 

.01177 

31-35 

36-40 

795 

1,496,350 

4 

6,000 

.00503 

.00401 

36-40 

41-45 

616 

1,282,525 

2 

6,000 

.00325 

.00468 

41-45 

46-50 

438 

938,125 

2 

2,000 

.00457 

.00213 

46-50 

51-55 

221 

544,500 

51-55 

56-60 

100 

323,500 

56-60 

61-65 

27 

97,000 

61-65 

66-70 

66-70 

71-75 

71-75 

76-80 

76-80 

81-85 

81-85 

86-90 

86-90 

AU, 

4,207 

1 

$8,173,428 

28 

$51,507 

.00666 

.00630 

All. 

80 


TABLE    XXXII. 

PAID-UP  POLICIES  AND  AMOUNTS  ON  FEMALE  LIVES. 
SUMMARY  BY  GROUPS  OF  AGES. 


Ages  at 
E7.^08ure. 

Exposed. 

Ceased  bt  Deatu. 

Ratio  of 
Death  to 

Ceased  by 
Exposed. 

Ages  at 
Exposure. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

7-20 

16 

$6,281 

7-20 

21-25 

72 

26,857 

2 

$545 

.02778 

.02029 

21-25 

26-30 

331 

149,090 

26-30 

31-35 

682 

242,266 

8 

3,069 

.01173 

.01267 

31-35 

36-40 

944 

354,886 

7 

1,422 

.00742 

.00401 

36-40 

41-45 

913 

335,869 

10 

5,463 

.01095 

.01627 

41-45 

46-50 

690 

236,626 

8 

3,677 

.01159 

.01554 

46-50 

51-55 

440 

142,832 

4 

704 

.00909 

.00493 

51-55 

56-60 

263 

120,471 

5 

1,405 

.01901 

.01166 

56-60 

61-65 

134 

49,890 

7 

2,618 

.05224 

.05248 

61-65 

66-70 

34 

11,104 

3 

1,297 

.08824 

.11680 

66-70 

71-75 

4 

922 

71-75 

76-80 

2 

1,176 

76-80 

81-85 

81-85 

86-90 

86-90 

All, 

4,524 

$1,678,270 

54 

$20,200 

.01194 

.01204 

All. 

81 


TABLE     XXXIII. 

TERM  POLICIES  AND  AMOUNTS  ON  FEMALE  LIVES. 
SUMMARY  BY  GROUPS  OF  AGES. 


Ages  at 
Exposure. 

Exposed. 

Ceased  by  Death. 

Ratio  op  ( 
Death  to 

Leased  by 
Exposed. 

Ages  at 
Exposure. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

7-20 

60 

$63,700 

1 

$4,000 

.01667 

.06279 

7-20 

21-25 

86 

101,650 

21-25 

26-30 

102 

147,760 

3 

3,140 

.02941 

.02125 

26-30 

31-35 

75 

161,300 

2 

6,500 

.02667 

.04030 

31-35 

36-40 

74 

125,400 

1 

5,000 

.01351 

.03987 

36-40 

41-45 

45 

63,700 

1 

1,000 

.02222 

.01570 

41-45 

46-50 

42 

46,250 

46-50 

51-55 

34 

36,800 

1 

500 

.02941 

.01359 

51-55 

56-60 

10 

12,200 

56-60 

61-65 

61-65 

66-70 

66-70 

71-75 

71-75 

76-80 

76-80 

81-85 

81-85 

86-90 

86-90 

All, 

528 

$758,760 

9 

$20,140 

.01705 

.02654 

All. 

82 

TABLE    XXXIV. 
DISCONTINUED  PREMIUM  PAYING  LIFE  POLICIES  ON  MALE  LIVES. 


SUMMARY  BY  YEARS  OP  INSURANCE. 


Exposed  Less  Died. 

DlBCONTINUKD. 

Per  Cemt. 

Tears  of 

DlBCONTINUKD. 

Tears  of 

Insurance. 

Insurance. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

1 

95,216 

$303,532,438 

14,070 

$41,273,488 

14.78 

13.60 

1 

2 

78,466 

253,419,010 

7,623 

23,890,060 

9.72 

9.43 

2 

3 

68,230 

220,773,417 

5,591 

17,956,257 

8.19 

8.13 

3 

4 

60,221 

194,427,855 

4,403 

14,127,567 

7.31 

7.27 

4 

5 

53,262 

170,806,388 

3,030 

9,748,889 

5.69 

5.71 

5 

6 

48,093 

153,165,359 

2,206 

7,090,300 

4.59 

4.63 

6 

7 

43,826 

139,033,266 

1,867 

5,978,075 

4.26 

4.30 

7 

8 

39,587 

124,702,244 

1,445 

4,775,374 

3.65 

3.83 

8 

9 

35,407 

110,801,901 

1,127 

3,945,848 

3.18 

3.56 

9 

10 

32,036 

98,811,238 

831 

2,801,781 

2.59 

2.84 

10 

11 

28,071 

84,264,569 

746 

2,412,525 

2.66 

2.86 

11 

12 

23,452 

67,924,897 

568 

1,886,879 

2.42 

2.78 

12 

13 

18,377 

50,117,305 

358 

1,017,200 

1.95 

2.03 

13 

14 

14,410 

38,397,246 

246 

692,200 

1.71 

1.80 

14 

15 

10,805 

28,321,891 

166 

455,250 

1.54 

1.61 

15 

16 

8,287 

21,562,689 

84 

249,850 

1.01 

1.16 

16 

17 

7,215 

18,595,572 

63 

183,700 

.87 

.99 

17 

18 

6,519 

13,574,557 

49 

122,550 

.75 

.74 

18 

19 

5,679 

14,201,568 

35 

91,800 

.62 

.65 

19 

20 

5,083 

12,523,902 

30 

82,175 

.59 

.66 

20 

21 

4,616 

11,182,727 

25 

61,750 

.54 

.55 

21 

22 

4,282 

10,272,227 

18 

53,100 

.42 

.52 

22 

23 

3,965 

9,396,177 

12 

37,950 

.30 

.40 

23 

24-32 

16,675 

38,427,109 

47 

118,300 

.28 

.31 

24-32 

All, 

711,780 

$2,191,235,552 

44,640 

$139,052,868 

6.27 

6.35 

All. 

SUMMARY  BY  AGES  AT  ISSUE. 

Agea  at 

Exposed  Less  Died. 

DlSCONTINTED. 

Peu 

DiSCON 

Cent. 

riNUED. 

Ages  at 

Issue. 

Issue. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

7-25 

61,700 

$180,120,610 

4,880 

$14,264,775 

7.91 

7.92 

7-25 

26-35 

276,454 

815,892,290 

17,763 

53,396,805 

6.43 

6.54 

26-35 

36-45 

244,470 

767,671,594 

14,705 

46,859,100 

6.02 

6.10 

36-45 

46-55 

106,701 

355,770,326 

6,155 

20,790,853 

5.77 

5.84 

46-55 

56o',l 

22,455 

71,780,732 

1,137 

3,741,335 

5.06 

5.21 

OO  O.er. 

AH, 

711,780 

$2,191,235,552 

44,640 

$139,052,868 

6.27 

6.35 

All. 

83 

TABLE    XXXV. 
DISCONTINUED  PREMIUM  PAYING  ENDOWMENT  POLICIES  ON  MALE  LIVES. 


SUMMARY  BY  YEARS  OF  INSURANCE. 


Years  of 

Exposed  Less  Died  and  Expired. 

Discontinued. 

Per  Cent. 
Discontinued. 

Tears  of 

Insurance. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

1 

12,330 

$33,611,387 

1,709 

$4,018,077 

13.86 

11.95 

1 

2 

10,376 

28,898,710 

1,274 

3,490,712 

12.28 

12.08 

2 

3 

8,902 

24,868,948 

854 

2,368,825 

9.59 

9.53 

3 

4 

7,862 

21,985,023 

725 

2,053,450 

9.22 

9.34 

4 

5 

6,890 

19,277,073 

424 

1,168,895 

6.15 

6.06 

5 

6 

6,253 

17,499,078 

307 

855,080 

4.91 

4.89 

6 

7 

5,735 

16,063,998 

297 

845,720 

5.18 

5.26 

7 

8 

5,044 

14,130,678 

246 

690,630 

4.88 

4.89 

8 

9 

4,132 

11,820,348 

232 

752,600 

5.61 

6.37 

9 

10 

2,999 

8,399,548 

143 

368,425 

4.77 

4.39 

10 

11 

2,034 

5,705,763 

87 

230,050 

4.28 

4.03 

11 

12 

1,000 

2,777,288 

48 

143,350 

4.80 

5.16 

12 

13 

298 

740,100 

13 

28,200 

4.36 

3.81 

13 

14-29 

120 

269,750 

1 

2,500 

.83 

.93 

14-29 

All, 

73,975 

$206,047,692 

6,360 

$17,016,514 

8.60 

8.26 

All. 

SUMMARY  BY  AGES  AT  ISSUE. 

Ages  at 

Exposed  Les 

s  Died  and  Expired. 

Discontotoed. 

Per 

DlSCONH 

Dent. 

riNUED. 

Ages  at 

Issue. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

7-25 

16,231 

$36,396,051 

1,870 

$4,190,805 

11.52 

11.51 

7-25 

26-35 

30,535 

81,837,516 

2,725 

7,160,584 

8.92 

8.75 

26-35 

36-45 

19,758 

61,266,575 

1,333 

4,077,925 

6.75 

6.66 

36-45 

46-55 

6,974 

24,835,150 

403 

1,491,200 

5.78 

6.00 

46-55 

56orr. 

477 

1,712,400 

29 

96,000 

6.08 

5.61 

OD  Ovpr. 

All, 

7.3,975 

$206,047,692 

6,360 

$17,016,514 

8.60 

8.26 

All. 

84 
TABLE    XXXVI. 

PREMIUM  PAYING  LIFE  POLICIES  ON  MALE  LIVES. 
PER  CENT.    DISCONTINUED   OF  BUSINESS  TAKEN  IN  YEARS   STATED. 

SUMMARY  BY  YEARS  OF  INSURANCE. 


Years  of 
Insurance. 

1846- 

1864. 

1865- 

1869. 

1870-1877. 

1846- 

1877. 

Years  of 
Insurance. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

1 

12.13 

11.13 

14.33 

12.98 

18.39 

16.60 

14.78 

13.60 

1 

2 

8.48 

8.14 

9.32 

9.04 

11.99 

11.34 

9.72 

9.43 

2 

3 

7.06 

6.89 

7.98 

7.85 

10.36 

10.11 

8.19 

8.13 

3 

4 

5.64 

5.49 

7.98 

7.66 

9.00 

8.91 

7.31 

7.27 

4 

5 

5.17 

5.24 

5.44 

5.35 

7.58 

7.50 

5.69 

5.71 

5 

6 

4.08 

4.10 

4.35 

4.37 

6.89 

6.73 

4.59 

4.63 

6 

7 

3.57 

3.46 

4.28 

4.36 

6.97 

6,69 

4.26 

4.30 

7 

8 

2.70 

2.73 

4.11 

4.22 

6.96 

6.94 

3.65 

3.83 

8 

9 

2.24 

2.31 

4.06 

4.44 

3.18 

3.56 

9 

10 

1.78 

1.77 

3.46 

3.69 

2.59 

2.84 

10 

11 

1.95 

1.99 

3.59 

3.76 

2.66 

2.86 

11 

12 

1.72 

1.88 

3.76 

4.15 

2.42 

2.78 

12 

13 

1.71 

1.77 

2.99 

3.02 

1.95 

2.03 

13 

14-32 

.89 

.98 

.89 

.98 

14-32 

All, 

4.10 

4.04 

7.00 

6.81 

12.05 

11.29 

6.27 

6.35 

All. 

SUMMARY  BY  AGES  AT  ISSUE. 

Ages  at 

1846- 

1864. 

1865- 

1869. 

1870-1877. 

1846- 

1877. 

Ages  at 
Issue. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

Policics. 

Amount. 

7-25 

5.75 

5.68 

8.09 

8.12 

12.51 

12.43 

7.91 

7.92 

7-25 

26-35 

4.25 

4.21 

7.62 

7.61 

11.80 

11.08  . 

6.43 

6.54 

26-35 

36-45 

3.85 

3.74 

6.77 

6.52 

12.56 

11.64 

6.02 

6.10 

36-45 

46-55 

3.56 

3.58 

6.25 

5.80 

11.41 

10.72 

5.77 

5.84 

46-55 

56  „r.. 

2.83 

2.73 

4.60 

4.73 

11.41 

10.12 

5.06 

5.21 

56    o"°r. 

All, 

4.10 

4.04 

7.00 

6.81 

12.05 

11.29 

6.27 

6.35 

All. 

85 
TABLE    XXXVII. 

PREMIUM  PAYING  ENDOWMENT  POLICIES  ON  MALE  LIVES. 
PER  CENT.    DISCONTINUED   OF  BUSINESS  TAKEN  IN  YEARS   STATED. 

SUMMARY  BY  YEARS  OF  INSURANCE. 


Years  of 

1849- 

1864. 

1865- 

1869. 

1870-1877. 

1849- 

1877. 

Years  of 
Insurance. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amount. 

Policies. 

Amonnt. 

1 

10.88 

9.65 

13.08 

11.52 

15.49 

13.01 

13.86 

11.95 

1 

2 

2.29 

1.65 

11.22 

11.27 

14.94 

14.45 

12.28 

12.08 

2 

3 

5.51 

9.32 

8.64 

8.74 

12.02 

11.63 

9.59 

9.53 

3 

4 

V.56 

7.83 

8.67 

8.88 

10.76 

10.78 

9.22 

9.34 

4 

5 

4.59 

5.58 

5.61 

5.41 

7.88 

8.29 

6.15 

6.06 

3 

6 

2.94 

2.03 

4.34 

4.47 

7.01 

6.72 

4.91 

4.89 

6 

7 

4.62 

4.76 

7.88 

8.07 

5.18 

5.26 

7 

8 

1,04 

.43 

4.53 

4.63 

7.67 

7.54 

4.88 

4.89 

8 

9 

5.75 

6.49 

5.61 

6.37 

9 

10 

2.33 

3.27 

4.84 

4.42 

4.77 

4.39 

10 

11 

3.61 

5.09 

4.31 

3.99 

4.28 

4.03 

11 

12 

4.05 

5.72 

4.86 

5.12 

4.80 

5.16 

12 

13 

1.67 

1.83 

5.04 

4.26 

4.36 

3.81 

13 

14-29 

.83 

.93 

.83 

.93 

14-29 

All, 

3.74 

4.19 

7.68 

7.53 

12.00 

11.28 

8.60 

8.26 

All. 

SUMMARY  BY  AGES  AT  ISSUE. 

Ages  at 

1849- 

1864. 

1865- 

1869. 

1870-1877. 

1849- 

1877. 

Ages  at 

Policies, 

Amount. 

Policies. 

Amount. 

Policies. 

Amonnt. 

Policies. 

Amount. 

7-25 

6.45 

9.39 

10.63 

10.80 

13.71 

13.57 

11.52 

11.51 

7-25 

26-35 

4.15 

4.11 

8.07 

8.17 

11.94 

10.94 

8.92 

8.75 

26-35 

36-45 

1.93 

2.44 

6.12 

6.10 

10.08 

9.78 

6.75 

6.66 

36-45 

46-55 

5.15 

5.86 

4.86 

5.17 

11.37 

11.47 

5.78 

6.00 

46-55 

56  o-r. 

5.32 

4.65 

8.33 

10.88 

6.08 

5.61 

56  „","1 

All, 

3.74 

4.19 

7.68 

7.53 

12.00 

11.28 

8.60 

8.2G 

All. 

87 


89 


Diagram  II. 

^OMPJNVS  EXPERIENCE 

CowpamI  irif/i 

STANDARD  MORTALITY  TABLES. 

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^3^u^/.M«  -itpif.t^    Tffi."  fyji"i/tu<r:rtu  f>^iji>fj^i4i                                                                                                         1 

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